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The FarReaching Benefits of Your Insurance Policy

You will see more cars on the road each year. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a small inconvenience and a large trial. So how can you find out what type of car insurance you need and how much to purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. By not owning insurance, you run the risk of having to pay the full price of any harm or injury you cause others. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, this type of insurance will pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is commonly called no-fault coverage. This insurance can also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Other types of coverage, including car rental and emergency road service, are also available. Insurance Clermont

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