We see more and more cars on the road every year. With so many vehicles on the road, crashes will happen. 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 insurance and just how much should you buy? Insurance requirements vary by state/province, but usually include the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. It also covers your defense and court costs if you are sued. State laws usually require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is sometimes called no-fault coverage. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other policies, including car rental, are also available. State Farm Agent Clermont
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