Your Insurance Coverage Always Working For You

Every year, more automobiles and drivers are on the highways. With so many vehicles on the road, crashes will happen. If you get in a car crash, the auto insurance you own can make a large difference in how much you have to pay. So how do you know what insurance you need and how much to buy? Insurance requirements vary by state/province, but typically include the following: Liability: Liability pays for damages due to personal injury and damage to property where you are responsible. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, this type of insurance can pay for your defense and court costs. Local laws typically require minimum amounts of liability insurance, but higher amounts are available and extremely helpful. 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 accident. It is sometimes referred to as no-fault coverage. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. If you buy this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other types of car insurance, like car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont

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