Your Home Insurance Policy Always Working For You

Every year, more cars hit America's roads. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a small setback and a major trial. So how can you figure out what insurance you need and how much to buy? Coverage requirements will differ by state/province, but typically include the following: Liability: It pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are in legal trouble, this type of insurance will pay for your defense and court costs. Local laws typically mandate minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is required 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. It can also pay for lost earnings, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance takes care of any non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: * What coverage you select * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many drivers may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont