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Buying Insurance Coverage About More Than Money

We see more and more drivers on the road each year. This can lead to an increased likelihood of a car accident. The difference between a small aggravation and major pain can be the car insurance you own. But why is insurance necessary and just how much do you need? Insurance requirements will differ by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, this type of insurance can pay for your court costs. Local laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. 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 cover lost earnings, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage has been purchased, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to cover the total amount of the damages. Other policies, such as car rental and emergency road service, are also available. Insurance Clermont