There are more cars hitting the road every year. As this number goes up, the chances of a car wreck will also go up. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. How can you decide what insurance you need and how to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. 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 car if it is damaged or stolen. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. If you are sued, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. 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. It may also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the right amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is injured 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 types of coverage, like emergency road service and car rental, can also be purchased. Auto Insurance Quotes Clermont
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