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Insurance and How It Helps You

We see more drivers on the road every year. This could lead to a higher possibility of a car accident. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. How can you decide what insurance you need and how to buy it? Car crashes can result in many different expenses, which your car insurance can pay for based on the insurance policy you own. Without insurance, you run the risk of having to pay the total cost of the harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Liability pays for damages due to personal injury and damage to property for which you are responsible. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, this type of insurance can pay for your court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is occasionally referred to as no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. 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 coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other types of car insurance, including emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: * What coverage you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't procrastinate buying car insurance; you should never be on the road without it. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Insurance Clermont

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