There are more cars and drivers hitting the road each year. As this number goes up, the chances of a car wreck will also increase. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. So how can you figure out which type of insurance you need and how much to buy? Auto insurance protects you by covering the cost of damage or injury you cause others while driving your car, damage to your car or injury to you or your passengers from a crash, and specific other occurrences, such as robbery. Auto insurance is required by law in all states and provinces. By not owning insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. State laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was at fault in the crash. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. This insurance will pay for an insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other policies, including emergency road service, are also available. Car Insurance Quotes Clermont
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