There are more cars hitting the road every year. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you need and how you can buy it? Insurance requirements vary by state/province, but usually include the following: Liability: Liability pays for expenses due to personal injury and damage to property that you are responsible for. It also covers your legal fees if you are sued. Local laws usually require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This is required 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 cover lost wages, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other policies, such as car rental, are also available. State Farm Agent Clermont
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