Your Insurance Coverage Always Working For You

Every year, more cars travel America's roads. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a small setback and a major hassle. So how can you figure out what insurance you need and how much to buy? Coverage requirements vary by state/province, but typically include the following: Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. It is sometimes referred to as no-fault coverage. State law typically sets minimum amounts. 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 necessary medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other kinds of car insurance, including car rental, are also available. Golf Cart Insurance Clermont