Your Home Insurance Coverage Always Working For You

There are more cars and drivers on the road every year. This could lead to a higher possibility of a collision for you and your family. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much should you purchase? Car insurance provides you with protection from covering the cost of damage caused to your car or someone else's car and injury to others, yourself, or passengers in your car, plus certain other situations, such as theft. By not owning insurance, you risk having to pay the total price of any harm or injury you cause others. Liability: It pays for damages due to personal injury and damage to property when you are responsible. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, this type of insurance will pay for your court costs. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Golf Cart Insurance Clermont