There are more drivers hitting the road each year. This could lead to an increased likelihood of a collision for you and your family. The difference between a little aggravation and large pain can be your insurance. So how do you know which type of insurance you need and how much you should buy? Required coverage varies by state/province but usually includes the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy has been purchased, the insured person will receive coverage for necessary medical or funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection covers all non-collision damages. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving without having the right amount of auto insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other policies, like car rental and emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. State Farm Agent Clermont
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