Everything You Need to Know About Automobile Insurance

There are more drivers on the road every year. As this number increases, the chances of a car accident will also go up. If you get in a car accident, the car insurance you have can make a big difference in what happens next. So how do you know what insurance you need and how much you should buy? Car crashes can lead to a variety of different expenses, which can all be paid for based on the type of insurance you own. By not owning insurance, you run the risk of having to pay the full price of the harm you cause others. Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. It also covers your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for an accident. If this policy is purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: Pays for damages to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Other kinds of car insurance, including car rental, can also be purchased. Golf Cart Insurance Clermont