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Insurance and You

There are more cars hitting the road every year. This could lead to an increased likelihood of a collision. Car insurance can make the difference between a small inconvenience and a large trial. But why is insurance necessary and just how much do you need? Car accidents can lead to many different expenses, which can all be paid for based on the insurance policy you own. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. Local laws usually mandate standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for a collision. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving without owning the right amount of auto insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Clermont

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