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Your Insurance Policy Always Working For You

We see more and more drivers on the road every year. This can lead to a higher possibility of a collision. The difference between a small bother and major obstacle can be your insurance. So how do you know what type of car insurance you need and the quantity you should buy? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance can pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are in legal trouble, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. 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 pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. It pays for all insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Clermont