There are more cars and drivers on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. But why do you need insurance and just how much should you buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Every state and province mandates car insurance by law. Without insurance, you risk having to pay the full price of the harm or injury you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is required 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. Local law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a crash. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other types of coverage, such as car rental and emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. State Farm Agent Clermont
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