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Insurance and What It Means To You

There are more cars on the road each year. As this number goes up, the chances of a car collision will also go up. The difference between a little aggravation and large pain can be the car insurance you have purchased. But why is insurance required by law and just how much should you buy? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your legal fees if you are sued. Local laws usually require minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was at fault in the crash. It is sometimes called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont

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