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Your Insurance Policy Always Working For You

There are more cars and drivers hitting the road each year. As this number goes up, the chances of a car wreck will also go up. Automobile insurance can be the difference between a small setback and a major trial. So how can you figure out which type of insurance you need and how much you should buy? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your defense and court costs. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. This insurance may also pay for lost wages, service replacement and funeral expenses. State law typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may be responsible. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection covers any non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: * What coverage you choose * The make and model of the car you own * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you should never be on the road without it. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. State Farm Clermont