The number of drivers on the road increases each year. This can lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the car insurance you own can make a large difference in what happens next. So how can you figure out what insurance you need and how much you should buy? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are in legal trouble, this type of insurance can pay for your legal fees. State laws usually require minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was at fault in the accident. It is commonly called no-fault coverage. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car 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 collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont
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