Insurance and How It Helps You

Every year, more cars and drivers hit the roads. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the auto 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 do you need? Mandated coverage varies by state/province but usually includes the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: * What coverage you select * The make and model of the car you own * Your driving record * Your age, sex and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont

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