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Insurance and What It Means To You

Each year, more cars and drivers are on the roads. This can lead to an increased likelihood of a collision. Car insurance can make the difference between a small inconvenience and a major hassle. But why is insurance required by law and just how much should you get? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost wages, replacement of services and funeral expenses. State law typically sets minimum amounts. 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. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood 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 insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont


Your Car Insurance Plan

Every year, more cars travel America's roads. With countless vehicles on the road, accidents can happen. The difference between a little bother and major pain can be your car insurance. How can you determine what insurance you require and how you can purchase it? Required coverage varies by state/province but typically includes the following: Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was responsible for the accident. It is occasionally called no-fault coverage. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage has been purchased, the insured person will receive payment for necessary medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Other policies, like car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: * What coverage you choose * The type of the car you drive * Your driving record * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you should never be on the road without it. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Golf Cart Insurance Clermont


Your Home Insurance Policy Always Working For You

There are more cars hitting the road each year. With so many vehicles on the road, accidents will happen. The difference between a little bother and large pain can be car insurance. But why is insurance required by law and just how much do you need? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. If this type of coverage has been 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: Protect your car from all non-collision damages by purchasing this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Golf Cart Insurance Clermont


Extensive Insurance Policies

There are more drivers on the road each year. As this number increases, the chances of a car accident will also go up. The difference between a little aggravation and major obstacle can be the car insurance you own. How can you decide what type of insurance you need and where you should go to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: Liability pays for damages due to bodily injury and damage to property when you are responsible. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It can also cover your legal fees if you are sued. Local laws usually mandate minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. It pays for all insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Pays for damages to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the proper amount of car insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other policies, including car rental and emergency road service, are also available. Golf Cart Insurance Clermont


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


What is Automobile Insurance?

Let State Farm® get your life covered. Get a hold of a State Farm® Insurance agent and we will help you look at policies. Start by protecting your most expensive investment by purchasing home insurance from State Farm®. There are various reasons that have made us the most popular insurance option for people all over the country. In addition to our professional State Farm® agents, our customers also receive around the clock customer support, a dedicated customer management system, and innovative tools like the State Farm® smartphone app. With 40 million policy holders, it's critical to maintain a consistent level of service. By choosing State Farm® Insurance, our clients will always feel protected by their insurance agency. Golf Cart Insurance Clermont


Buying Insurance About More Than Money

We see more and more cars on the road each year. With countless vehicles on the road, accidents can happen. Car insurance can be the difference between a minor setback and a large hassle. So how do you know what insurance you need and how much to purchase? Required coverage varies by state/province but typically includes the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was at fault in the collision. It is required in some states and optional in others. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy has been purchased, the insured person will receive coverage for necessary medical and funeral expenses. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, such as emergency road service and car rental, can also be purchased. Golf Cart Insurance Clermont