The FarReaching Benefits of Your Insurance Policy

Every year, more drivers hit America's roads. As this number goes up, the chances of a car collision will also increase. If you get in a car crash, the car insurance you own can make a big difference in what happens next. So how can you figure out which type of insurance you need and how much to buy? Car accidents can result in many different expenses, which your insurance can pay for based on the type of insurance you own. Without insurance, you risk having to pay the total price of the harm or injury you cause others. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is occasionally referred to as no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other policies, including car rental, are also available. What you pay for car insurance varies 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 * The place where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Insurance Clermont

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