Every year, more cars hit America's roads. With so many vehicles on the road, accidents will happen. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much you should buy? Your insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Every state or province mandates auto insurance by law. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: It pays for the expenses you have caused to others in a car collision, including property damage and injury. It also covers your defense and court costs if you are sued. Local laws typically mandate minimum amounts, but higher amounts can be purchased and are very beneficial. 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. It may also pay for lost wages, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, like car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Auto Insurance Clermont
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