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Purchasing Insurance More Than Just Money

We see more and more drivers on the road every year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. How can you determine what type of insurance you require and how to buy it? Required coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. It also covers your legal fees if you are sued. Local laws usually require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without enough insurance coverage. Other types of car insurance, including car rental, are also available. State Farm Agent Clermont