Comprehensive Insurance Policies

There are more cars on the road every year. As this number increases, the chances of a car wreck will also increase. The difference between a little bother and major pain can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you purchase? Auto insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, and certain other incidents, such as burglary. Without insurance, you run the risk of having to pay the total price of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. If you are in legal trouble, it also pays your defense and court costs. State laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. It may also cover lost wages, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a collision. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other policies, including emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple 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 * Where you live Don't wait around to buy auto insurance; you should never drive a car without it. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Golf Cart Insurance Clermont

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