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Every year, more cars travel our roads and freeways. As this number increases, the chances of a car accident will also go up. Automobile insurance can make the difference between a small inconvenience and a major trial. So how can you figure out which type of insurance you need and how much to buy? Car crashes can result in many different expenses, which your car insurance can pay for based on the type of coverage you have purchased. No matter where you are living, you will need to purchase some variety of car insurance. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are sued, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is sometimes referred to as no-fault coverage. This insurance may also pay for lost wages, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the right amount of insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Other kinds of coverage, like emergency road service and car rental, can also be purchased. Auto Insurance Clermont

There are more cars and drivers hitting the road every year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car crash, the car insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much should you get? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased 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 and other people in your car, no matter who was responsible for the accident. It is required in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Golf Cart Insurance Clermont