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Why Paying For Auto Insurance is Worth Every Dollar

Each year, more cars and drivers travel the highways. This can lead to an increased likelihood of a collision. Automobile insurance can make the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much should you get? Insurance requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. It may also cover lost wages, replacement of services and funeral expenses. State law typically sets minimum amounts. 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 collision. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Insurance Clermont