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Insurance and You

Each year, more automobiles and drivers travel our roads and freeways. With the increasing number of vehicles on the road, accidents can happen. The difference between a little bother and major obstacle can be the car insurance you own. How can you decide what insurance you require and how to purchase it? Car accidents can lead to a variety of different expenses, which your car insurance might be able to pay for based on the insurance policy you own. Every state or province mandates automobile insurance by law. Choosing 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: This type of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the accident. It is commonly called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. It pays for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to cover the total amount of the damages. Other policies, like emergency road service, are also available. State Farm Clermont