You will see more and more cars on the road each year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a minor inconvenience and a major trial. How can you decide what insurance you need and where you should go to buy it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Without insurance, you risk having to pay the total price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. It also covers your defense and court costs if you are sued. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This is mandated 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. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: * Which policies you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't wait around to buy auto insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Auto Insurance Quotes Clermont
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