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Extensive Insurance Policies

You will see more and more drivers on the road every year. With the increasing number of vehicles on the road, accidents will happen. The difference between a little bother and large obstacle can be your insurance. But why do you need insurance and just how much do you need? Required coverage varies based on the state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. It can also cover your legal fees if you are sued. State laws usually require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance 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. State government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include hail damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other kinds of car insurance, such as emergency road service, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. State Farm Clermont