Each year, more cars and drivers hit the highways. With the increasing number of vehicles on the road, crashes will happen. The difference between a little aggravation and large pain can be your insurance. So how can you find out what type of car insurance you need and the quantity you should buy? Coverage requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. This insurance can also cover lost earnings, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damage to your car caused by an accident. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other kinds of car insurance, including car rental, can also be purchased. Auto Insurance Clermont
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