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Purchasing Insurance It's Not About The Money

Every year, more cars and drivers travel our roads and freeways. This could lead to an increased likelihood of a collision for you and your family. The difference between a little bother and large pain can be your car insurance. How can you decide what insurance you require and how you can purchase it? Car insurance provides you with protection from covering the cost of damage or injury you inflict on others while you are driving, damage to your vehicle or personal injury or injury to your passengers from a crash, and certain other situations, such as burglary. Automobile insurance is required by law in all states and provinces. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was responsible for the accident. It is sometimes referred to as no-fault coverage. This insurance may also pay for lost wages, replacement of services and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This could include hail damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the right amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Other types of coverage, including emergency road service and car rental, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people may not want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Insurance Clermont

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