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What Automobile Insurance Means to You

The number of drivers on the road increases each and every year. This can lead to an increased likelihood of a collision for you and your family. Car insurance can be the difference between a minor setback and a major trial. So how do you know which type of insurance you need and how much you should buy? Car crashes can result in many different expenses, which can all be paid for based on the insurance policy you own. Your state or province certainly mandates some type of car insurance. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are in legal trouble, liability insurance will pay for your legal fees. State laws typically require standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is commonly called no-fault coverage. State government typically sets minimum amounts. 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 you purchase this type of coverage, you will receive payment for necessary medical or funeral expenses. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, such as emergency road service and car rental, can also be purchased. Auto Insurance Clermont

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