Comfort Security and Your Insurance Coverage

Every year, more cars travel America's roads. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a minor inconvenience and a major trial. But why do you need insurance and exactly how much should you buy? Car accidents can lead to a variety of different expenses, which your car insurance might be able to pay for based on the type of insurance you own. Your state or province certainly mandates some type of car insurance. Without insurance, you risk having to pay the total cost of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Local laws typically require minimum amounts of liability insurance, 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 and other people in your car, no matter who was responsible for the accident. It is sometimes referred to as no-fault coverage. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. If you buy this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance protection takes care of any non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the right amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other kinds of car insurance, like emergency road service and car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: * Which policies you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. Insurance Clermont