Every year, more automobiles and drivers are on the highways. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a minor inconvenience and a major hassle. How can you decide what type of insurance you require and how to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. This insurance can also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a collision. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having 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: Similar to uninsured coverage, this kind of insurance covers you from people driving without enough insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Golf Cart Insurance Clermont
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