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What Car Insurance Means to You

The amount of cars and drivers on the road increases each year. This could lead to a higher possibility of a collision for you and your family. Automobile insurance can be the difference between a minor inconvenience and a major trial. So how do you know what insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated insurance. 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. It can also cover lost wages, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other types of coverage, including emergency road service, are also available. State Farm Agent Clermont