Get Great Referrals

Your Insurance Policy 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 minor inconvenience and a major trial. So how can you figure out which type of insurance you need and how much you should buy? Auto insurance provides you with protection from covering the cost of injury or damage you cause others while you are driving, damage to your car or personal injury or injury to your passengers from an accidents, and certain other occurrences, such as robbery. Every state or province requires car insurance by law. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who may be responsible. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other policies, including car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people don't want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont