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The WideRanging Benefits of Your Insurance Policy

Every year, more drivers travel the highways. With countless vehicles on the road, accidents can happen. Automobile insurance can make the difference between a minor setback and a large trial. How can you determine what insurance you need and how you can purchase it? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for expenses due to bodily injury and damage to property that you have caused. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a crash. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance coverage. Other policies, like car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: * What coverage you choose * The make and model of the car you own * Your driving record * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial dilemma. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont

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