The amount of cars on the road increases each and every year. As this number goes up, the chances of a car collision will also increase. The difference between a little aggravation and major pain can be your insurance. So how can you figure out what insurance you need and how much you should buy? Insurance requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. It may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the right amount of car insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Other kinds of coverage, including car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial crisis. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont
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