You will see more cars on the road every year. With countless vehicles on the road, accidents can happen. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. So how do you know what insurance you need and the quantity you should purchase? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the crash. It is mandated in some states and optional in others. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased 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 paid for under this type of coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This could include flood damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Other types of coverage, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: * Which policies you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. State Farm Clermont
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