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Buying Insurance About More Than Money

Every year, more cars and drivers are on the roads. As this number increases, the possibility of accidents also increases. 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 do you need? Car insurance protects you by paying for damage or injury you cause others while you are driving, damage to your car or personal injury or injury to your passengers from an accidents, plus certain other incidents, such as robbery. No matter where you are living, you are required to purchase some variety of auto insurance. Without insurance, you risk having to pay the full cost of any harm you cause others. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages might include bodily injury, and property damage. It also covers your defense and court costs if you are sued. Local laws typically require standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also cover lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the right amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have enough liability insurance to cover the total amount of the damages. Other types of car insurance, including car rental, are also available. Golf Cart Insurance Clermont

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