Each year, more cars travel the highways. With the increasing number of vehicles on the road, accidents can happen. Car insurance can be the difference between a small setback and a large hassle. So how can you figure out what insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Liability pays for damages due to bodily injury and property damage to others where you are responsible. It can also cover your legal fees if you are sued. State laws usually mandate minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was responsible for the accident. It is occasionally called no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who may have been at fault. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the right amount of insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, such as car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, including: * Which policies you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many drivers may not want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Insurance Clermont
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