Each year, more automobiles and drivers are on the roads. With countless vehicles on the road, crashes will happen. Automobile insurance can make the difference between a small setback and a large trial. But why do you need insurance and just how much should you buy? Car insurance protects you by paying for injury or damage you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from a crash, plus certain other occurrences, such as theft. Your state or province certainly requires some type of auto insurance. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance may also pay for lost earnings, service replacement and funeral expenses. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. State Farm Agent Clermont
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