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Automobile Insurance Basics

The number of drivers on the road increases each and every year. With countless vehicles on the road, crashes are going to happen. The difference between a small aggravation and large obstacle can be your insurance. But why do you need to own insurance and just how much should you buy? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was responsible for the crash. It is commonly called no-fault coverage. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all non-collision damages. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance protection. Other policies, including car rental, are also available. State Farm Agent Clermont

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