Your Insurance Coverage Always Working For You

Each year, more cars hit our roads and freeways. With the increasing number of vehicles on the road, crashes can happen. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Auto insurance is mandated by state law. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased 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. State government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may be responsible. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of car insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, such as emergency road service, are also available. State Farm Clermont

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