Each year, more cars and drivers travel the roads. With so many vehicles on the road, accidents will happen. Car insurance can be the difference between a minor inconvenience and a large trial. But why is insurance required by law and just how much do you need? Car accidents can lead to a variety of different expenses, which can all be paid for based on the type of coverage you have purchased. Your state or province certainly mandates some type of auto insurance. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It also covers your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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. This insurance may also cover lost wages, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the right amount of car insurance. This insurance will cover you if one of these drivers hit you. 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 protects you from those drivers. Other kinds of coverage, like car rental, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont
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