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Different Auto Insurance Policies

Every year, more drivers travel our roads and freeways. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. But why do you need to own insurance and exactly how much should you purchase? Car insurance provides you with protection from paying for damage caused to your car or someone else's car and injury to others, yourself, or your passengers, plus specific other incidents, such as robbery. Car insurance is mandated by law in all states and provinces. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. It can also cover your legal fees if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance 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. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. If this type of coverage is purchased, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other policies, such as car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: * Which policies you select * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have consider car insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. Insurance Clermont

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