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Your Insurance Policy Always Working For You

Every year, more drivers travel our roads and freeways. With the increasing number of vehicles on the road, accidents are going to happen. If you get in a car crash, the car insurance you have can make a large difference in what happens next. How can you determine what insurance you require and how you can purchase it? Auto insurance protects you by paying for damage caused to your car or another person's car and injury to other people, yourself, or your passengers, and certain other occurrences, such as burglary. Deciding to drive without 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: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This is mandated 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. It may also cover lost wages, replacement of services and funeral expenses. State government usually 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. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the right amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you should never drive a car without it. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. State Farm Agent Clermont