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You will see more cars on the road every year. This could lead to an increased likelihood of a collision. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. How can you decide what type of insurance you need and where you should go to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, it also pays your legal fees. State laws usually require standard amounts of liability insurance, but higher 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. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a collision. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other policies, such as car rental, are also available. Insurance Clermont

There are more cars and drivers hitting the road each year. This could lead to a higher possibility of a collision for you and your family. Car insurance can be the difference between a minor inconvenience and a major hassle. How can you decide what insurance you need and how you can buy it? Car insurance provides you with protection from paying for damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or your passengers, plus certain other occurrences, such as theft. Without insurance, you run the risk of having to pay the total cost of any harm you cause others. Liability: It pays for expenses due to bodily injury and damage to property for which you are responsible. It can also cover your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is occasionally referred to as no-fault coverage. It can also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance protection covers any non-collision damages. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of car insurance. This type of coverage 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 responsible for. Under-insured motorist coverage protects you from those drivers. Other policies, such as car rental, are also available. Golf Cart Insurance Clermont