Comfort Security and Your Insurance Policy

Each year, more cars hit America's roads. With countless vehicles on the road, accidents can happen. The difference between a little bother and major pain can be your car insurance. How can you decide what insurance you require and how you can purchase it? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other kinds of car insurance, like emergency road service and car rental, can also be purchased. Auto Insurance Clermont