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Extensive Insurance Policies

Each year, more drivers hit America's roads. This can lead to an increased likelihood of a collision for you and your family. Car insurance can make the difference between a small inconvenience and a large trial. How can you decide what insurance you require and how you can purchase it? Car insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from a crash, plus specific other situations, such as theft. By not purchasing insurance, you run the risk of having to pay the full price of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. It also covers 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: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. If you purchase this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the proper amount of car insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, like emergency road service, are also available. Auto Insurance Clermont

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