Each year, more drivers travel the highways. With countless vehicles on the road, crashes are going to happen. Automobile insurance can be the difference between a minor setback and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Required coverage varies based on the state/province but typically includes the following: Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the proper amount of car insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other types of coverage, such as car rental, can also be purchased. State Farm Agent Clermont
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