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Your Insurance Coverage Always Working For You

Every year, more cars travel America's roads. As this number increases, the chances of a car accident will also go up. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. So how can you figure out what insurance you need and how much you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, more comprehensive 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 your passengers, no matter who was at fault in the accident. It is commonly called no-fault coverage. It can also cover lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may be responsible. It pays for all insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Clermont

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