Each year, more cars and drivers travel the roads. As this number goes up, the chances of a car collision will also increase. The difference between a little bother and major obstacle can be the car insurance you own. How can you decide what insurance you require and how to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was at fault in the crash. It is sometimes referred to as no-fault coverage. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage can be purchased 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 insurance policy. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other policies, including car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying auto insurance; you should never be on the road without it. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Auto Insurance Clermont
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