Each year, more automobiles and drivers hit the highways. With the increasing number of vehicles on the road, accidents can happen. If you get in a car crash, the car insurance you own can make a large difference in the experience you have. So how do you know what insurance you need and the quantity you should purchase? Coverage requirements will differ by state/province, but typically include the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. State laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the crash. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: * Which policies you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont
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