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The WideRanging Benefits of Your Insurance Coverage

You will see more and more drivers on the road each year. With so many vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. So how do you know what type of car insurance you need and the quantity you should purchase? Required coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for an accident. It pays for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Quotes Clermont

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