Every year, more cars hit America's roads. This can lead to a higher possibility of a collision for you and your family. The difference between a little bother and major pain can be your insurance. But why do you need to own insurance and exactly how much should you purchase? Insurance requirements vary by state/province, but usually include the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. If you are in legal trouble, liability insurance can pay for your legal fees. State laws usually require standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. It may also cover lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Other types of coverage, like emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some drivers may not want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont
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