Why You Need Automobile Insurance

Every year, more cars and drivers are on the roads. This can lead to an increased likelihood of a collision. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why is insurance necessary and just how much do you need? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. If this policy has been bought, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people may not want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont