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What is Car Insurance?

There are more drivers on the road every year. With so many vehicles on the road, crashes can happen. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and how much to purchase? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. By not owning insurance, you run the risk of having to pay the total cost of any harm you cause others. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. If you are sued, this type of insurance can pay for your legal fees. State laws typically mandate standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage has been purchased, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without having the proper amount of auto insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Auto Insurance Quotes Clermont