What is Automobile Insurance?

We see more and more drivers on the road every year. With countless vehicles on the road, crashes will happen. The difference between a little bother and major pain can be car insurance. But why do you need insurance and just how much do you need? Insurance requirements will differ by state/province, but typically include the following: Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, liability insurance will pay for your defense and court costs. Local laws typically require minimum amounts, but higher amounts are available and extremely helpful. 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 accident. It is commonly referred to as no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault 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 resulting from a crash. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other policies, including car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the car you drive * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. State Farm Clermont

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