Each year, more cars and drivers travel the highways. With so many vehicles on the road, accidents can happen. Automobile insurance can make the difference between a small inconvenience and a major trial. So how do you know what insurance you need and the quantity you should purchase? Required coverage varies by state/province but usually includes the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are sued, it also pays your legal fees. Local laws usually require minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This 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. It may also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may be responsible. If this policy has been purchased, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other policies, like emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your selected 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 Don't wait around to buy auto insurance; you should never drive a car without it. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. State Farm Agent Clermont
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