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Everything You Need to Know About Automobile Insurance

Every year, more cars and drivers hit America's roads. As this number goes up, the chances of a car wreck will also increase. If you get in a car crash, the auto insurance you have can make a large difference in what happens next. But why do you need to own insurance and just how much should you buy? Auto insurance protects you by covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, and specific other situations, such as theft. Every state and province requires automobile insurance by law. By not purchasing insurance, you run the risk of having to pay the total cost of the harm you cause others. Liability: This kind of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It can also cover your legal fees if you are sued. State laws typically require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance 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. It may also cover lost wages, service replacement and funeral costs. State law typically sets minimum amounts. 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. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection covers all non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the right amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without enough insurance coverage. Other policies, like car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. State Farm Clermont

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