The number of drivers on the road increases every year. As this number increases, the chances of a car wreck will also increase. The difference between a small aggravation and large obstacle can be the car insurance you own. How can you determine what insurance you need and how you can buy it? Required coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, liability insurance can pay for your court costs. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. It can also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for an accident. If this policy has been purchased, the insured person will receive payment for necessary medical and funeral expenses. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other policies, including car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * Which policies you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Auto Insurance Clermont
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