There are more cars hitting the road each year. With so many vehicles on the road, accidents will happen. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and the quantity you should purchase? Required coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also cover lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the right amount of car insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of coverage, including emergency road service and car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: * Which policies you select * The type of the vehicle you own * Your driving record * Your age, sex and marital status * The place where you live Don't procrastinate buying car insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Insurance Clermont
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