Index U

Insurance and You

Every year, more automobiles and drivers hit the highways. As this number goes up, the chances of a car wreck will also go up. Car insurance can be the difference between a small inconvenience and a major hassle. How can you determine what insurance you need and how to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: Pays for the expenses you are responsible for in a car collision, including property damage and injury. It can also cover your legal fees if you are sued. State laws usually require standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This is mandated 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 this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from people driving without enough insurance protection. Other kinds of car insurance, like car rental, are also available. Auto Insurance Quotes Clermont

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