Insurance and You

Each year, more drivers hit America's roads. With countless vehicles on the road, accidents are going to happen. Automobile insurance can make the difference between a minor setback and a major trial. How can you determine what insurance you need and how you can buy it? Auto insurance provides you with protection from covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, plus specific other occurrences, such as robbery. Every state and province mandates automobile insurance by law. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Liability pays for damages due to personal injury and damage to property that you have caused. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was at fault in the collision. It is commonly called no-fault coverage. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. It pays for an insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the right amount of auto insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other policies, like car rental, are also available. State Farm Clermont

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