The WideRanging Benefits of Your Insurance Policy

Each year, more cars hit America's roads. With the increasing number of vehicles on the road, crashes are going to happen. Car insurance can be the difference between a small inconvenience and a large trial. So how do you know what insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Golf Cart Insurance Clermont