Extensive Insurance Coverage
- 5 29, 2021
- |Other Insurance
- No Comments
We see more drivers on the road each year. This could lead to a higher possibility of a collision. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you require and where you should go to buy it? Required coverage varies by state/province but usually includes the following: Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes damaged property and loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is sometimes called no-fault coverage. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other types of coverage, like emergency road service, are also available. Golf Cart Insurance Clermont