There are more cars and drivers hitting the road each year. With countless vehicles on the road, crashes will happen. The difference between a little aggravation and large obstacle can be your car insurance. How can you decide what insurance you need and how to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost wages, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who may have been at fault. If you buy this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other policies, including emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying auto insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Car Insurance Quotes Clermont
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