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What Car Insurance Means to You

Each year, more automobiles and drivers travel America's roads. With the increasing number of vehicles on the road, accidents are going to happen. The difference between a little aggravation and large pain can be automobile insurance. So how can you figure out what insurance you need and how much you should buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Auto insurance is mandated by state law. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: It pays for expenses due to personal injury and property damage to others that you are responsible for. If you are sued, liability insurance will pay for your court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other policies, including car rental and emergency road service, are also available. State Farm Agent Clermont