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Everything You Need to Know About Automobile Insurance

Each year, more cars and drivers are on the roads. This could lead to an increased likelihood of a car accident. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. So how do you know what insurance you need and the quantity you should buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. It also covers your defense and court costs if you are sued. State laws typically require standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * 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 support of your insurance agency, make the decision that fits you best. Golf Cart Insurance Clermont

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