Your Insurance Coverage Always Working For You

Every year, more automobiles and drivers are on the highways. This could lead to an increased likelihood of a collision. The difference between a little bother and major pain can be the car insurance you have purchased. But why do you need insurance and just how much do you need? Coverage requirements will differ by state/province, but usually include the following: Liability: Liability pays for damages due to bodily injury and property damage to others for which you are responsible. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical or funeral expenses. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the right amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when an insured person 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 coverage, including car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many drivers may not want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. Car Insurance Quotes Clermont

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