The amount of cars on the road increases each year. This could lead to a higher possibility of a collision for you and your family. The difference between a small aggravation and large pain can be automobile insurance. So how do you know which type of insurance you need and how much to buy? 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 might include bodily injury, and property damage. It also covers your defense and court costs if you are sued. State laws typically require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the collision. It is commonly referred to as no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance covers any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages. Other types of coverage, including car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: * What coverage you select * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Auto Insurance Quotes Clermont
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