Writing Hustler

Purchasing Insurance It's Not About The Money

Each year, more cars hit the highways. With so many vehicles on the road, accidents can happen. The difference between a little bother and major pain can be your car insurance. But why do you need insurance and just how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Without insurance, you run the risk of having to pay the full cost of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that cover 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. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available 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 type of coverage. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont

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