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Car Insurance Basics

Every year, more cars and drivers are on the roads. With the increasing number of vehicles on the road, accidents can happen. The difference between a little bother and large obstacle can be your insurance. How can you determine what insurance you need and where you should go to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for damages due to bodily injury and property damage to others that you are responsible for. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your legal fees if you are sued. Local laws typically require standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was responsible for the crash. It is sometimes called no-fault coverage. It may also cover lost earnings, service replacement and funeral expenses. Local law typically sets minimum amounts. Medical Payments: Medical payment 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 bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Other kinds of car insurance, including emergency road service and car rental, are also available. Auto Insurance Quotes Clermont