Comprehensive Home Insurance Policies

Each year, more cars and drivers are on the highways. This can lead to a higher possibility of a car accident. The difference between a small bother and large obstacle can be the car insurance you have purchased. So how can you find out what insurance you need and how much to purchase? Required coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you are responsible for in a car accident, including injury and property damage. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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 cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the proper amount of insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. Golf Cart Insurance Clermont