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There are more drivers on the road each year. With the increasing number of vehicles on the road, accidents will happen. The difference between a little aggravation and large pain can be the car insurance you own. How can you decide what type of insurance you need and how to buy it? Car accidents can lead to many different expenses, which your insurance might be able to pay for based on the type of insurance you own. Without insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: This kind of insurance will pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are in legal trouble, this type of insurance can pay for your court costs. Local laws typically require minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is sometimes called no-fault coverage. This insurance may also cover lost wages, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Golf Cart Insurance Clermont
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