Comfort Security and Your Insurance Policy

There are more cars and drivers hitting the road every year. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how can you find out what insurance you need and how much to purchase? Mandated coverage varies by state/province but usually includes the following: 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 defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. 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 cover lost earnings, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include weather damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the proper amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance protection. Other types of coverage, like car rental, can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Many drivers think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Auto Insurance Clermont