Each year, more automobiles and drivers hit the highways. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a small inconvenience and a large trial. How can you decide what type of insurance you require and where you should go to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Auto insurance is mandated by state law. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. If you are in legal trouble, this type of insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. It can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the proper amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, such as car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. State Farm Agent Clermont
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