Comprehensive Insurance Policies

There are more cars and drivers on the road each year. As this number increases, the chances of a car accident will also go up. If you get in a car accident, the auto insurance you have can make a large difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. Local laws usually require standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was at fault in the crash. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is bought, the insured person will receive payment for reasonable medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This 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: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of car insurance, like car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Many people think of car insurance as a necessary evil, but it can save you from a financial crisis. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont

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