The amount of cars on the road increases every year. As this number increases, the chances of a car collision will also go up. If you get in a car wreck, the auto insurance you have can make a big difference in what happens next. But why do you need insurance and just how much should you buy? Car insurance protects you by covering the cost of damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or your passengers, and specific other incidents, such as robbery. By not owning insurance, you run the risk of having to pay the full price of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. It also covers your defense and court costs if you are sued. State laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This is required 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. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may be responsible. If this type of coverage has been purchased, the insured person will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include hail damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Quotes Clermont
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