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Extensive Insurance Policies

Each year, more drivers travel our roads and freeways. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you have can make a large difference in what happens next. How can you determine what insurance you need and how to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Without insurance, you run the risk of having to pay the full price of the harm you cause others. Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, this type of insurance can pay for your court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of 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 or other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. It can also cover lost wages, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Insurance Clermont