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Your Insurance Policy Always Working For You

Every year, more drivers travel America's roads. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small inconvenience and a large hassle. But why do you need to own insurance and just how much should you purchase? Mandated 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 have caused. These damages may include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more 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. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This may include flood damage, vandalism, and robbery. Uninsured Motorist: 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: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance protection. Other types of car insurance, including emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you select * The type of the vehicle you own * Your driving record * Your age, sex and marital status * The place where you live Some drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Car Insurance Quotes Clermont

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