The amount of drivers on the road increases each and every year. This can lead to a higher possibility of a collision for you and your family. If you get in a car wreck, the car insurance you own can make a big difference in what happens next. So how do you know which type of insurance you need and how much to buy? Required coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws usually require minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is mandated 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. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. 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 type of coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. State Farm Agent Clermont
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