Your Insurance Policy Always Working For You

There are more drivers on the road each year. As this number goes up, the chances of a car wreck will also go up. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. How can you decide what insurance you require and how you can purchase it? Car crashes can lead to a variety of different expenses, which your insurance can pay for based on the type of coverage you have purchased. Your state or province definitely requires some type of auto insurance. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages can include personal injury, and property damage. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance are available that cover more than the lower, 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. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of car insurance, including car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Insurance Clermont

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