The FarReaching Benefits of Your Insurance Policy

Every year, more cars travel America's roads. As this number increases, the possibility of accidents also increases. If you get in a car crash, the auto insurance you have can make a big difference in what happens next. But why do you need insurance and exactly how much should you purchase? Car insurance protects you by paying for injury or damage you inflict on others while driving your car, damage to your car or injury to you or your passengers from a crash, and certain other occurrences, such as theft. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. If you are sued, this type of insurance will pay for your court costs. Local laws usually require minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is sometimes referred to as no-fault coverage. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the right amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these drivers. 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. This type of insurance covers you from those drivers. Other types of car insurance, like emergency road service and car rental, can also be purchased. Golf Cart Insurance Clermont

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