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Comfort Security and Your Insurance Policy

There are more cars and drivers hitting the road each year. This could lead to a higher possibility of a collision. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. But why is insurance necessary and just how much do you need? Coverage requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. If you are in legal trouble, this type of insurance can pay for your legal fees. State laws usually mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance takes care of all non-collision damages. This may include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other policies, such as car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *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 drivers think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Auto Insurance Clermont