The FarReaching Benefits of Your Insurance Policy

There are more cars on the road every 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 setback and a major trial. But why do you need insurance and exactly how much should you purchase? Insurance requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. If you are in legal trouble, this type of insurance can pay for your defense and court costs. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Other kinds of car insurance, like emergency road service, can also be purchased. Auto Insurance Quotes Clermont

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