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Comprehensive Insurance Policies

There are more drivers hitting the road every year. This can lead to an increased likelihood of a collision. Automobile insurance can make the difference between a minor inconvenience and a major trial. But why is insurance required by law and just how much do you need? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. It also covers your legal fees if you are sued. Local laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. It may also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for a collision. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by another person who does not have enough liability insurance to cover the total amount of the damages. Other policies, including car rental and emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Some people 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, research your options, and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Clermont