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Comprehensive Insurance Policies

There are more cars on the road each year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car wreck, the auto insurance you have can make a large difference in the experience you have. But why do you need insurance and just how much should you buy? Car insurance provides you with protection from paying for damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or passengers in your car, plus certain other situations, such as burglary. Without insurance, you risk having to pay the full price of any harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are in legal trouble, it also pays your court costs. State laws typically require standard amounts, but higher amounts can be purchased and are usually recommended. 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. This insurance may also cover lost wages, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. If this type of coverage is bought, the insured person will receive coverage for reasonable medical and funeral costs. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of coverage, including emergency road service and car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * Which policies you select * The type of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some people think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. Insurance Clermont