Each year, more cars and drivers hit the roads. As this number increases, the chances of a car accident will also increase. Automobile insurance can make the difference between a minor setback and a large trial. So how can you find out what type of car insurance you need and the quantity you should purchase? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Your state or province definitely requires some type of auto insurance. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is required in some states and optional in others. It can also pay for lost earnings, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for an accident. If you purchase this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Quotes Clermont
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