Your Insurance Coverage Always Working For You

Each year, more automobiles and drivers travel the highways. This could lead to a higher possibility of a car accident. If you get in a car accident, the auto insurance you have can make a big difference in the experience you have. But why do you need insurance and just how much should you buy? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Without insurance, you risk having to pay the full price of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, this type of insurance can pay for your legal fees. State laws usually mandate minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the accident. It is commonly referred to as no-fault coverage. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other kinds of car insurance, like emergency road service, can also be purchased. State Farm Clermont

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