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Every year, more cars hit the highways. This can lead to an increased likelihood of a car accident for you and your family. Car insurance can be the difference between a small setback and a major hassle. But why do you need to own insurance and exactly how much should you buy? Auto insurance provides you with protection from paying for damage caused to your car or another person's car and injury to other people, yourself, or passengers in your car, and certain other incidents, such as burglary. No matter where you live, you will need to purchase some variety of auto insurance. 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 that you may have caused. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was at fault in the crash. It is commonly called no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, like car rental, are also available. Golf Cart Insurance Clermont

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Smoke Damage – The flames of a fire are not the only thing that will cause damage to a home. Smoke damage can also reach many areas of your house, some of which are often difficult to pinpoint without the right tools. We will determine the full scope of your damage, remove odors, and sanitize the area. If smoke damage has happened to you, the most important choice you can make is trusting the team at Paul Davis.

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