There are more cars on the road every year. This can lead to a higher possibility of a collision. Automobile insurance can be the difference between a small setback and a large hassle. But why is insurance important and just how much should you get? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Liability pays for expenses due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also pay for lost wages, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may be responsible. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Quotes Clermont
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