You will see more drivers on the road every year. As this number increases, the chances of a car collision will also increase. The difference between a little bother and large pain can be your car insurance. How can you determine what insurance you require and where you should go to buy it? Car crashes can lead to many different expenses, which your insurance can pay for based on the type of coverage you have purchased. Without insurance, you run the risk of having to pay the full price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the crash. It is sometimes called no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. State Farm Agent Clermont
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