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The WideRanging Benefits of Your Homeowners Insurance Coverage

There are more drivers on the road every year. With so many vehicles on the road, crashes are going to happen. Automobile insurance can make the difference between a minor inconvenience and a major hassle. But why do you need insurance and exactly how much should you purchase? Car insurance protects you by paying for damage caused to your car or another person's car and injury to other people, yourself, or your passengers, and certain other situations, such as robbery. Without insurance, you risk having to pay the full price of any harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, this type of insurance will pay for your legal fees. State laws typically require standard amounts, but higher amounts are available and usually recommended. 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. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral costs. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of car insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, including car rental and emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some drivers may not want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Auto Insurance Clermont

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