Comfort Security and Your Insurance Coverage

Every year, more cars and drivers are on the highways. With the increasing number of vehicles on the road, accidents will happen. Car insurance can be the difference between a small setback and a large hassle. So how can you find out what insurance you need and how much to purchase? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. No matter where you are living, you are required to buy some variety of auto insurance. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Liability pays for damages due to bodily injury and property damage to others for which you are responsible. 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. It also covers your legal fees if you are sued. Local laws typically mandate standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is required 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. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance covers all non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. State Farm Agent Clermont