Comprehensive Insurance Policies

We see more and more drivers on the road every year. This can lead to a higher possibility of a collision. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. So how do you know what type of car insurance you need and how much to purchase? Car accidents can lead to many different expenses, which your insurance can pay for based on the insurance policy you own. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for an accident. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, such as emergency road service, are also available. Insurance Clermont

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