There are more drivers on the road each year. As this number increases, the chances of a car collision will also go up. The difference between a small bother and large obstacle can be your insurance. How can you decide what type of insurance you need and where you should go to buy it? Auto insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, plus specific other occurrences, such as robbery. Your state or province certainly mandates some type of auto insurance. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. It also covers your legal fees if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. It may also cover lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other kinds of car insurance, such as emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * 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 drive a car without it. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont
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