Every year, more drivers hit our roads and freeways. With so many vehicles on the road, accidents are going to happen. If you get in a car crash, the auto insurance you own can make a big difference in what happens next. But why do you need to own insurance and exactly how much should you buy? Car accidents can result in many different expenses, which can all be paid for based on the insurance policy you have purchased. By not owning insurance, you run the risk of having to pay the full cost of the harm or injury you cause others. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. If you are sued, liability insurance will pay for your legal fees. Local laws typically mandate minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance takes care of any non-collision damages. This could include fire damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have insurance. 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 covers you from those drivers. Other kinds of coverage, like car rental, are also available. Auto Insurance Clermont
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