You will see more cars on the road every year. This can lead to a higher possibility of a collision. Automobile insurance can be the difference between a small setback and a major trial. But why is insurance necessary and just how much do you need? Car crashes can lead to a variety of different expenses, which your car insurance can pay for based on the insurance policy you own. Without insurance, you risk having to pay the total price of any harm you cause others. Liability: Pays for expenses due to personal injury and property damage to others where you are responsible. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many drivers don't want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Auto Insurance Clermont
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