There are more drivers on the road each year. This could lead to a higher possibility of a collision for you and your family. The difference between a little bother and major pain can be your car insurance. How can you decide what insurance you need and how to purchase it? Car accidents can lead to many different expenses, which your insurance can pay for based on the type of coverage you own. Deciding 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 that you may have caused. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws usually mandate standard amounts, but higher amounts can be purchased and are usually recommended. 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. This insurance may also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, such as car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, including: * Which policies you select * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Some drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. State Farm Agent Clermont
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