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Your Insurance Coverage Always Working For You

There are more cars and drivers on the road each year. This can lead to an increased likelihood of a car accident. Automobile insurance can make the difference between a small inconvenience and a large hassle. But why is insurance important and just how much should you buy? Mandated coverage varies by state/province but usually includes the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This is required 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. Local government usually 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. It pays for an insured person's necessary medical or funeral expenses resulting from a crash. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection takes care of any non-collision damages. This may include fire damage, vandalism, and robbery. 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: Just like uninsured coverage, this type of insurance covers you from drivers without sufficient insurance coverage. Other kinds of car insurance, like emergency road service and car rental, are also available. State Farm Clermont