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The FarReaching Benefits of Your Insurance Policy

There are more cars and drivers hitting the road each year. With the increasing number of vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. So how can you figure out which type of insurance you need and how much to buy? Car accidents can lead to many different expenses, which can all be paid for based on the insurance policy you have purchased. No matter where you are living, you are required to buy some type of car insurance. Without insurance, you run the risk of having to pay the total cost of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: It pays for damages due to bodily injury and damage to property that you have caused. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property or loss of use of property. If you are sued, this type of insurance can pay for your court costs. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was at fault in the accident. It is sometimes referred to as no-fault coverage. This insurance may also pay for lost wages, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance covers any non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other types of car insurance, including emergency road service and car rental, are also available. Golf Cart Insurance Clermont