Comfort Security and Your Insurance Policy

There are more cars on the road each year. This can lead to an increased likelihood of a collision. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how can you find out what insurance you need and how much to purchase? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Every state or province requires automobile insurance by law. Without insurance, you run the risk of having to pay the total cost of any harm or injury you cause others. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, liability insurance can pay for your legal fees. Local laws usually require standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance can also pay for lost earnings, service replacement and funeral costs. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. If this type of coverage is bought, the insured person will receive payment for all types of medical or funeral costs. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the right amount of insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying auto insurance; you shouldn't drive a car without it. Review your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. State Farm Clermont