Each year, more drivers hit our roads and freeways. This can lead to an increased likelihood of a collision for you and your family. If you get in a car wreck, the car insurance you own can make a big difference in what happens next. But why do you need insurance and just how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Car insurance is required by law in all states and provinces. By not owning insurance, you risk having to pay the full cost of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It can also cover your legal fees if you are sued. State laws usually mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance 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. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. If you purchase this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance covers any non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Other kinds of coverage, like emergency road service, can also be purchased. Auto Insurance Clermont
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There are more cars and drivers hitting the road every year. As this number goes up, the chances of a car accident will also go up. If you get in a car accident, the auto insurance you own can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you purchase? Car crashes can lead to a variety of different expenses, which your insurance might be able to pay for based on the type of insurance you have purchased. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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. This insurance can also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Cover your vehicle 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: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies based on the 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, sex and marital status * Where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. State Farm Agent Clermont
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There are more cars on the road every year. This could lead to an increased likelihood of a collision for you and your family. The difference between a small aggravation and large pain can be your insurance. So how can you figure out which type of insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Your state or province definitely requires some type of auto insurance. Without insurance, you run the risk of having to pay the total price of any harm you cause others. Liability: This type of insurance can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, it also pays your court costs. Local laws usually require minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damages to your car caused by a collision. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other kinds of coverage, including car rental, are also available. Auto Insurance Quotes Clermont
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