You will see more cars on the road every year. With countless vehicles on the road, crashes can happen. If you get in a car accident, the auto insurance you own can make a large difference in the experience you have. But why is insurance required by law and just how much do you need? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of 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. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also cover lost wages, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, like car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * Which policies you select * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some people may not want to pay for auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Car Insurance Quotes Clermont
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