There are more cars on the road every year. As this number goes up, the chances of a car collision will also go up. If you get in a car crash, the auto insurance you have can make a big difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you own. Auto insurance is mandated by law in all states and provinces. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Local laws typically mandate minimum amounts, but higher amounts are available and extremely helpful. 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 may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. If this type of coverage is bought, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance takes care of all non-collision damages. This may include fire damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont
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