Types of Car Insurance Coverage

There are more cars hitting the road each year. With countless vehicles on the road, accidents are going to happen. Car insurance can make the difference between a minor setback and a major trial. But why do you need to own insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Every state and province requires auto insurance by law. By not owning insurance, you risk having to pay the total price of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Liability pays for expenses due to personal injury and property damage to others for which you are responsible. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, it also pays your legal fees. Local laws usually require standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is mandated in some states and optional in others. This insurance can also cover lost earnings, replacement of services and funeral expenses. Local law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may be responsible. It pays for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other types of coverage, including car rental and emergency road service, are also available. Golf Cart Insurance Clermont