Buying Homeowners Insurance It's Not About The Money

Each year, more drivers hit the highways. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a small inconvenience and a major trial. So how do you know which type of insurance you need and how much you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are sued, this type of insurance will pay for your defense and court costs. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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 law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. If you buy this type of coverage, you will receive coverage for all types of medical or funeral costs. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Golf Cart Insurance Clermont