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Insurance and How It Helps You

The amount of drivers on the road increases each year. This could lead to a higher possibility of a collision for you and your family. The difference between a small bother and major pain can be your insurance. So how do you know what insurance you need and how much to buy? Insurance requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may be responsible. If this policy is bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont