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Every year, more cars and drivers hit our roads and freeways. As this number increases, the possibility of accidents also increases. The difference between a little bother and major obstacle can be automobile insurance. So how can you figure out what insurance you need and how much you should buy? Auto insurance protects you by covering the cost of damage caused to your car or another person's car and injury to other people, yourself, or passengers in your car, and certain other occurrences, such as robbery. Every state and province mandates auto insurance by law. Deciding 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: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. If you are sued, it also pays your legal fees. Local laws typically mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was at fault in the collision. It is commonly called no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. It pays for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types 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: *Your desired coverage *Your vehicle's make and model * Your driving record * 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, do your research , and with the support of your insurance agent, choose the option that fits you best. Auto Insurance Clermont
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