Your Insurance Coverage Always Working For You

You will see more cars on the road every year. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and large pain can be the car insurance you have purchased. But why do you need insurance and just how much should you buy? Coverage requirements will differ by state/province, but usually include the following: Liability: It pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the accident. It is required in some states and optional in others. This insurance can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. This insurance will pay for all insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Clermont

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