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Types of Car Insurance Coverage

You will see more drivers on the road each year. With so many 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 is insurance necessary and just how much should you buy? Insurance requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. It also covers your legal fees if you are sued. State laws typically mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, including emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't procrastinate buying auto insurance; you should never be on the road without it. Review your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. Insurance Clermont