There are more cars hitting the road each year. With countless vehicles on the road, crashes can happen. The difference between a little aggravation and large obstacle can be the car insurance you own. How can you decide what insurance you need and how you can buy it? Required coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. It can also cover your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. It may also cover lost wages, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. State Farm Clermont
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Each year, more automobiles and drivers are on the roads. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small setback and a large trial. So how can you find out what insurance you need and how much to buy? Car crashes can result in many different expenses, which can all be paid for based on the insurance policy you own. Car insurance is required by state law. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. 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 sued, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of car insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Clermont
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