Every year, more cars and drivers hit the highways. This can lead to a higher possibility of a car accident. If you get in a car accident, the car insurance you own can make a large difference in the experience you have. How can you decide what type of insurance you require and how to buy it? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you have caused. These damages may include bodily injury, and property damage. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was at fault in the collision. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. If this type of coverage has been purchased, the insured person will receive payment for all types of medical or funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other types of car insurance, including emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: * What coverage you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. Auto Insurance Quotes Clermont
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