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Financial Security and Your Insurance Policy

Every year, more drivers hit America's roads. This can lead to a higher possibility of a collision for you and your family. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why do you need to own insurance and exactly how much should you purchase? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Without insurance, you run the risk of having to pay the total cost of any harm you cause others. Liability: This kind of insurance can pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, this type of insurance will pay for your defense and court costs. Local laws typically mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the crash. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of auto insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Other types of coverage, like car rental, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Some have consider car insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Auto Insurance Quotes Clermont