There are more drivers hitting the road each year. With so many vehicles on the road, accidents can happen. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. But why is insurance necessary and just how much should you buy? Car accidents can result in a variety of different expenses, which your insurance can pay for based on the type of insurance you own. Without insurance, you run the risk of having to pay the total price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. 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 include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, liability insurance will pay for your defense and court costs. Local laws typically require minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may have been at fault. If you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance coverage. Other kinds of car insurance, including emergency road service and car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some have consider car insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont
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