You will see more drivers on the road every year. This could lead to a higher possibility of a collision. Car insurance can make the difference between a small setback and a large trial. But why is insurance required by law and just how much do you need? Car insurance provides you with protection from covering the cost of injury or damage you inflict on others while you are driving, damage to your car or injury to you or your passengers from an accidents, plus certain other occurrences, such as theft. Your state or province certainly mandates some type of auto insurance. By not purchasing insurance, you risk having to pay the full cost of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Pays for damages due to bodily injury and damage to property that you have caused. If you are sued, it also pays your legal fees. Local laws usually mandate minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This 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. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without sufficient insurance protection. Other types of coverage, like car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: * What coverage you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont
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