What is Car Insurance?

You will see more cars on the road each year. This could lead to a higher possibility of a car accident. The difference between a little bother and major obstacle can be automobile insurance. How can you determine what insurance you require and where you should go to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Liability pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Other policies, like car rental, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Some people have consider car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. State Farm Agent Clermont

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