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Everything You Need to Know About Automobile Insurance

There are more cars and drivers on the road every year. With countless vehicles on the road, crashes are going to happen. Car insurance can make the difference between a minor setback and a major trial. How can you determine what insurance you need and how you can buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Auto insurance is mandated by law in all states and provinces. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the proper amount of insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, like emergency road service, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, such as: * Which policies you select * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial dilemma. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Insurance Clermont

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