Why Paying For Auto Insurance is Worth Every Penny

The amount of cars and drivers on the road increases each and every year. With countless vehicles on the road, crashes are going to happen. The difference between a little aggravation and large obstacle can be the car insurance you have purchased. So how can you figure out which type of insurance you need and how much you should buy? Required coverage varies by state/province but usually includes the following: Liability: Liability pays for expenses due to bodily injury and damage to property that you have caused. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, liability insurance can pay for your legal fees. State laws usually require standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. It can also cover lost wages, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other policies, including emergency road service, are also available. State Farm Clermont

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