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Types of Car Insurance Coverage

Each year, more drivers hit the highways. With the increasing number of vehicles on the road, crashes can happen. If you get in a car wreck, the car insurance you own can make a large difference in what happens next. So how do you know which type of insurance you need and how much to buy? Car insurance protects you by covering the cost of damage caused to your car or another person's car and injury to other people, yourself, or your passengers, plus specific other situations, such as robbery. Automobile insurance is mandated by state law. Without insurance, you risk having to pay the total cost of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property and loss of property use. If you are sued, liability insurance will pay for your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was at fault in the accident. It is mandated in some states and optional in others. It may also cover lost earnings, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may be responsible. If this type of coverage is bought, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, such as: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont

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