There are more cars and drivers on the road every year. As this number increases, the chances of a car collision will also increase. The difference between a little aggravation and large pain can be your insurance. How can you determine what type of insurance you need and where you should go to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: Liability pays for damages due to bodily injury and property damage to others where you are responsible. It also covers your defense and court costs 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: This type of insurance pays for the medical treatment for you or your passengers, no matter who was responsible for the collision. It is mandated in some states and optional in others. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance covers any non-collision damages. This may include hail damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Quotes Clermont
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