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Purchasing Insurance Coverage It's Not About The Money

Each year, more cars and drivers are on the roads. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the car insurance you have can make a big difference in the experience you have. How can you decide what insurance you require and where you should go to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: It pays for damages due to personal injury and property damage to others for which you are responsible. It can also cover your defense and court costs if you are sued. State laws typically mandate minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage has been bought, the insured person will receive payment for necessary medical or funeral expenses. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other policies, like emergency road service, are also available. State Farm Agent Clermont

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