The number of drivers on the road increases each year. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the auto insurance you own can make a large difference in what happens next. But why do you need insurance and just how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: It pays for damages due to personal injury and property damage to others that you have caused. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that cover more than the lower, state-mandated insurance. 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 can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Clermont
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