Insurance and You

Every year, more drivers hit our roads and freeways. With countless vehicles on the road, crashes can happen. The difference between a little bother and large obstacle can be car insurance. How can you decide what insurance you require and how you can buy it? Mandated coverage varies by state/province but typically includes the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated 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. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for a crash. It pays for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident 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 weather damage or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who 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. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Quotes Clermont

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