Different Car Insurance Policies

There are more cars and drivers hitting the road each year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a minor setback and a major trial. How can you decide what insurance you need and how you can purchase it? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. If you are in legal trouble, it also pays your court costs. Local laws usually require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the collision. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of coverage, such as car rental and emergency road service, are also available. Golf Cart Insurance Clermont

[Top]