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Why You Need Car Insurance

Each year, more automobiles and drivers hit the highways. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are sued, liability insurance will pay for your legal fees. State laws typically require minimum amounts, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is occasionally referred to as no-fault coverage. This insurance may also cover lost wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. If you purchase this type of coverage, you will receive coverage for all types of medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Quotes Clermont