Your Insurance Policy Always Working For You

Each year, more cars travel our roads and freeways. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Car insurance provides you with protection from paying for injury or damage you cause others while you are driving, damage to your car or injury to you or your passengers from a crash, and specific other incidents, such as robbery. Auto insurance is mandated by state law. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It also covers your legal fees if you are sued. State laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't procrastinate buying car insurance; you should never be on the road without it. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. Auto Insurance Clermont

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