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Buying Insurance More Than Just Money

There are more cars hitting the road each year. With countless vehicles on the road, crashes can happen. If you get in a car crash, the auto insurance you own can make a large difference in how much you have to pay. But why do you need insurance and just how much do you need? Car insurance provides you with protection from covering the cost of damage caused to your vehicle or another person's vehicle and injury to others, yourself, or passengers in your car, and certain other occurrences, such as robbery. Your state or province certainly requires some type of auto insurance. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: It pays for damages due to bodily injury and damage to property where you are responsible. It also covers your legal fees if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. It may also pay for lost earnings, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Other kinds of car insurance, such as emergency road service, can also be purchased. Golf Cart Insurance Clermont