Why Paying For Auto Insurance is Worth Every Dollar

There are more cars and drivers hitting the road each year. As this number goes up, the chances of a car wreck will also go up. Automobile insurance can make the difference between a small inconvenience and a major trial. So how do you know what type of car insurance you need and how much to buy? Insurance requirements vary by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages may include bodily injury, and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This 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 coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. If this type of coverage has been purchased, the insured person will receive payment for all types of medical and funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of auto insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Quotes Clermont

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