The amount of cars on the road increases each and every year. With the increasing number of vehicles on the road, crashes can happen. The difference between a little bother and major obstacle can be car insurance. So how can you figure out what insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Auto insurance is mandated by state law. By not owning insurance, you risk having to pay the total price of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is sometimes referred to as no-fault coverage. This insurance may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. 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 insurance coverage. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from people driving without enough insurance protection. Other kinds of car insurance, like emergency road service and car rental, can also be purchased. State Farm Agent Clermont
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