Every year, more cars and drivers are on the roads. As this number increases, the chances of a car accident will also increase. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. But why do you need insurance and just how much do you need? Coverage requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. It also covers your defense and court costs if you are sued. Local laws usually require standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other policies, like emergency road service, are also available. State Farm Clermont
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