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Different Car Insurance Policies

There are more drivers hitting the road each year. As this number goes up, the chances of a car wreck will also increase. Automobile insurance can make the difference between a small inconvenience and a major hassle. So how can you figure out what insurance you need and how much to buy? Car accidents can lead to many different expenses, which can all be paid for based on the type of coverage you have purchased. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was at fault in the collision. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Quotes Clermont

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