There are more drivers hitting the road every year. This could lead to an increased likelihood of a collision. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. How can you determine what type of insurance you need and where you should go to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Your state or province certainly requires some type of auto insurance. Without insurance, you run the risk of having to pay the full cost of the harm you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property and loss of use of property. If you are in legal trouble, liability insurance can pay for your defense and court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also pay for lost wages, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other types of coverage, including emergency road service and car rental, can also be purchased. State Farm Agent Clermont
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