The number of cars and drivers on the road increases each and every year. As this number increases, the chances of a car wreck will also increase. The difference between a small bother and major pain can be the car insurance you own. So how can you figure out what insurance you need and how much to buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. State laws usually require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the crash. It is mandated in some states and optional in others. It may also cover lost wages, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance covers all non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving without owning the right amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other kinds of coverage, like emergency road service and car rental, can also be purchased. Auto Insurance Clermont
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There are more cars hitting the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. So how can you find out what insurance you need and how much to buy? Auto insurance protects you by paying for damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, plus certain other situations, such as theft. Every state and province requires auto insurance by law. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. If this type of coverage has been purchased, the insured person will receive coverage for reasonable medical and funeral costs. Collision: This pays for damages to your car caused by a collision. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include weather damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: * What coverage you select * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy car insurance; you should never be on the road without it. 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