There are more cars on the road every year. This could lead to an increased likelihood of a collision. Automobile insurance can make the difference between a small inconvenience and a major trial. How can you determine what type of insurance you need and how to buy it? Car insurance protects you by covering the cost of damage or injury you cause others while driving your car, damage to your vehicle or personal injury or injury to your passengers from an accidents, and certain other situations, such as burglary. Car insurance is required by law in all states and provinces. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more events 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. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the proper amount of insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Other types of coverage, including car rental, are also available. Auto Insurance Quotes Clermont
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