Each year, more automobiles and drivers are on the highways. This can lead to a higher possibility of a car accident. The difference between a small bother and large pain can be car insurance. So how do you know what insurance you need and how much to purchase? Required coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damages to your car caused by a collision. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of coverage, including emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many drivers may not want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont
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