Comfort Security and Your Insurance Policy

The amount of cars and drivers on the road increases each year. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and large obstacle can be the car insurance you have purchased. But why do you need insurance and exactly how much should you buy? Required coverage varies by state/province but usually includes the following: Liability: Liability pays for expenses due to personal injury and damage to property that you have caused. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. If this type of coverage has been bought, the insured person will receive coverage for all types of medical and funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving without having the right amount of insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other policies, like car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. State Farm Clermont