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Your Automobile Insurance Plan

There are more drivers on the road every year. As this number increases, the chances of a car wreck will also go up. Automobile insurance can be the difference between a minor setback and a large trial. How can you decide what insurance you require and how to buy it? Car accidents can result in many different expenses, which can all be paid for based on the type of coverage you own. By not owning insurance, you run the risk of having to pay the full cost of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. State laws usually require minimum amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance protection. Other kinds of car insurance, including emergency road service, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many drivers don't want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. State Farm Agent Clermont