Each year, more cars and drivers hit the highways. With countless vehicles on the road, accidents can happen. Automobile insurance can make the difference between a small setback and a major hassle. But why do you need insurance and just how much should you get? Coverage requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. If you are sued, liability insurance will pay for your legal fees. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. State law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the proper amount of insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Other kinds of coverage, including emergency road service and car rental, are also available. State Farm Agent Clermont
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