You will see more and more drivers on the road every year. As this number increases, the chances of a car collision will also increase. The difference between a little aggravation and major obstacle can be the car insurance you have purchased. So how do you know what type of car insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. No matter where you are living, you will need to purchase some variety of car insurance. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is mandated in some states and optional in others. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving without having the right amount of car insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without sufficient insurance protection. Other kinds of car insurance, such as emergency road service and car rental, are also available. Auto Insurance Quotes Clermont
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