Everything You Need to Know About Automobile Insurance

Every year, more automobiles and drivers travel the highways. As this number goes up, the chances of a car collision will also increase. If you get in a car accident, the auto insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much do you need? Insurance requirements vary by state/province, but usually include the following: Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for an accident. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance covers all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the proper amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Auto Insurance Clermont

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