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Insurance and How It Helps You

Every year, more drivers travel America's roads. As this number goes up, the chances of a car collision will also go up. The difference between a little bother and major pain can be automobile insurance. How can you determine what insurance you need and how you can purchase it? Insurance requirements vary by state/province, but typically include the following: Liability: It pays for damages due to bodily injury and damage to property that you have caused. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property and loss of property use. If you are in legal trouble, liability insurance can pay for your legal fees. Local laws typically require minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage has been bought, the insured person will receive coverage for all types of medical and funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the proper amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. State Farm Agent Clermont