You will see more drivers on the road every year. This can lead to a higher possibility of a car accident. The difference between a little bother and major pain can be car insurance. So how can you find out what insurance you need and the quantity you should purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a crash. It pays for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers all non-collision damages. This may include fire damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of car insurance, such as car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. State Farm Agent Clermont
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