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Your Automobile Insurance Plan

The amount of cars on the road increases each year. This can lead to a higher possibility of a car accident for you and your family. Automobile insurance can be the difference between a minor setback and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Every state and province mandates automobile insurance by law. By not purchasing insurance, you run the risk of having to pay the full price of any harm you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. This insurance can also pay for lost earnings, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Quotes Clermont

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