There are more drivers on the road every year. With the increasing number of vehicles on the road, accidents are going to happen. If you get in a car accident, the car insurance you own can make a large difference in what happens next. But why do you need to own insurance and exactly how much should you buy? Auto insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, and certain other incidents, such as robbery. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of 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 other people in your car, no matter who was responsible for the crash. It is occasionally called no-fault coverage. This insurance can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may be responsible. If this policy has been bought, the insured person will receive payment for reasonable medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: 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 person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Quotes Clermont
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