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Types of Car Insurance Coverage

Every year, more cars hit America's roads. This can lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much to buy? Car accidents can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Car insurance is mandated by state law. Without insurance, you run the risk of having to pay the full price of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, liability insurance will pay for your legal fees. State laws typically mandate standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the collision. It is mandated in some states and optional in others. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the 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: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Auto Insurance Clermont

Your Insurance Coverage Always Working For You

State Farm® is the best place to protect everything you own. Get a hold of a State Farm® agent and we'll help you look at policies. Current State Farm® customers have multiple reasons for picking us over our competition. Not only do we have over 17,000 qualified agents across the country, our company has around-the-clock customer service, a large account management system, advanced tools like the State Farm® app, and an unequaled reputation for customer care. With these tools along with our high level of service, we are working hard to provide more than 40 million clients with the best protection possible. State Farm® has made a name for ourselves allowing homeowners to feel comfortable with their insurance company when they submit a claim. Car Insurance Groveland