Comprehensive Insurance Coverage

Each year, more cars and drivers travel the highways. With countless vehicles on the road, crashes can happen. Car insurance can make the difference between a minor inconvenience and a major trial. But why do you need insurance and just how much should you buy? Coverage requirements vary by state/province, but typically include the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are in legal trouble, it also pays your legal fees. State laws typically require standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was at fault in the crash. It is sometimes called no-fault coverage. It may also cover lost wages, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damages to your car caused by a collision. Comprehensive: This type of insurance takes care of any non-collision damages. This may include fire damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Golf Cart Insurance Clermont