Each year, more automobiles and drivers hit the highways. With the increasing number of vehicles on the road, accidents can happen. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. So how do you know what type of car insurance you need and the quantity you should purchase? Car accidents can result in a variety of different expenses, which your car insurance might be able to pay for based on the insurance policy you own. Every state and province mandates car insurance by law. By not owning insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages may include bodily injury, and property damage. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. It can also pay for lost earnings, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. 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, such as emergency road service, are also available. State Farm Clermont
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