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What is Car Insurance?

We see more cars on the road every year. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you own can make a big difference in the experience you have. How can you determine what type of insurance you require and where you should go to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Without insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. This insurance can also cover lost earnings, service replacement and funeral expenses. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other types of coverage, such as car rental and emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Insurance Clermont