Show Me Don't Tell Me

Purchasing Insurance About More Than Money

Every year, more automobiles and drivers hit our roads and freeways. With countless vehicles on the road, accidents will happen. Automobile insurance can make the difference between a minor setback and a large hassle. How can you determine what insurance you need and how to purchase it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Your state or province certainly requires some type of auto insurance. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. If you are sued, it also pays your legal fees. State laws usually require standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the crash. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, including car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont