There are more cars on the road each year. This can lead to a higher possibility of a collision. The difference between a little aggravation and large pain can be the car insurance you own. So how can you find out what insurance you need and the quantity you should purchase? Auto insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to others, yourself, or passengers in your car, plus certain other occurrences, such as robbery. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It can also cover your legal fees if you are sued. State laws typically require minimum amounts of liability insurance, but higher amounts are available and very beneficial. 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. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy has been bought, the insured person will receive payment for necessary medical and funeral costs. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This may include fire damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Pays for damages when an insured person is injured 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 car insurance, such as emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: * Which policies you choose * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. State Farm Agent Clermont
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