Every year, more cars and drivers are on the highways. With so many vehicles on the road, crashes will happen. If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. How can you decide what insurance you need and how to buy it? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. It also covers your defense and court costs if you are sued. State laws typically require minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. It can also pay for lost earnings, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont
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