Comprehensive Insurance Policies

Each year, more drivers hit the highways. As this number increases, the chances of a car accident will also increase. If you get in a car wreck, the auto insurance you own can make a large difference in what happens next. But why do you need to own insurance and exactly how much should you buy? Car accidents can result in many different expenses, which your insurance can pay for based on the type of insurance you own. Every state or province mandates automobile insurance by law. Without insurance, you run the risk of having to pay the total price of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are sued, it also pays your defense and court costs. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This is required 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 pay for lost earnings, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Pays for damages to your car caused by a collision. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, like emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: * Which policies you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. State Farm Clermont

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