Every year, more drivers hit the highways. With countless vehicles on the road, accidents will happen. Automobile insurance can make the difference between a minor inconvenience and a major hassle. How can you determine what insurance you need and how to purchase it? Car accidents can result in a variety of different expenses, which your insurance might be able to pay for based on the type of coverage you have purchased. Every state and province mandates auto insurance by law. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, this type of insurance will pay for your court costs. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance 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. It can also cover lost wages, replacement of services and funeral expenses. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this type of policy. 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 a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some have consider auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Auto Insurance Quotes Clermont
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