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The number of drivers on the road increases every year. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the car insurance you own can make a big difference in what happens next. But why do you need insurance and exactly how much should you purchase? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the collision. It is occasionally referred to as no-fault coverage. This insurance may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available 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 necessary medical or funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Don't wait around to buy car insurance; you should never be on the road without it. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. State Farm Clermont
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There are many fantastic benefits to taking a trip to a foreign location. Plan a itinerary full of exciting events or just relax by the pool. A travel agency is the best way to guarantee that you get the most out of any vacation. Our LDS tour guide service provides LDS-themed vacation packages that aren't limited to church history sites. A few of the locations we have been or are planning to go include Switzerland, Panama, Costa Rica, and Spain. By choosing a Mormon travel group, your tour group will always include friendly individuals who keep similar moral standards. We'll also take you to important locations for the LDS faith, including temples. For an experience you will never forget, select our Mormon tour service. Mormon Travel
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