Insurance and How It Helps You

There are more cars and drivers on the road each year. With so many vehicles on the road, crashes can happen. The difference between a little aggravation and large pain can be car insurance. How can you determine what insurance you need and how you can purchase it? Car crashes can lead to many different expenses, which your insurance might be able to pay for based on the type of insurance you own. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Pays for damages due to personal injury and damage to property that you have caused. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, no matter who was at fault in the crash. It is mandated in some states and optional in others. It can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is bought, the insured person will receive payment for all types of medical and funeral costs. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other policies, including emergency road service, are also available. Auto Insurance Quotes Clermont

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