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You will see more cars on the road every year. This could lead to a higher possibility of a collision. The difference between a small bother and major obstacle can be the car insurance you own. So how do you know what type of car insurance you need and how much to buy? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you own. Every state or province requires automobile insurance by law. By not owning insurance, you run the risk of having to pay the total price of the harm or injury you cause others. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, it also pays your defense and court costs. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the collision. It is mandated in some states and optional in others. This insurance can also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of 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 is purchased, the insured person will receive payment for all types of medical or funeral expenses. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers any non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance protection. Other types of coverage, like emergency road service, are also available. Auto Insurance Clermont
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