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Every year, more cars travel our roads and freeways. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small setback and a large trial. How can you determine what insurance you require and how you can buy it? Car accidents can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. This insurance can also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance coverage. Other policies, such as emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Auto Insurance Clermont
