Insurance and You

The number of cars on the road increases each and every year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much should you purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Without insurance, you risk having to pay the full price of any harm you cause others. Liability: Liability pays for damages due to personal injury and damage to property where you are responsible. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. 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 can also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Other kinds of coverage, such as emergency road service and car rental, can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you select * The make and model of the car you own * Your driving record * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you should never drive a car without it. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Auto Insurance Quotes Clermont

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