Valley Business Connections

Buying Insurance Protection It's Not About The Money

The number of cars on the road increases each year. With so many vehicles on the road, accidents can happen. If you get in a car crash, the car insurance you own can make a big difference in what happens next. So how can you figure out which type of insurance you need and how much you should buy? Coverage requirements will differ by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you have caused. These damages can include personal injury, and property damage. If you are in legal trouble, it also pays your legal fees. State laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other types of coverage, including emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The type of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont

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