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Insurance and What It Means To You

Each year, more automobiles and drivers are on the highways. As this number goes up, the chances of a car wreck will also go up. The difference between a little bother and major obstacle can be your insurance. But why do you need insurance and just how much do you need? Coverage requirements vary by state/province, but usually include the following: Liability: It 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, higher levels of insurance are available that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. This insurance will pay for all insured person's reasonable medical or funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other types of coverage, including emergency road service, are also available. Car Insurance Quotes Clermont