Comfort Security and Your Homeowners Coverage

You will see more and more cars on the road each year. This can lead to an increased likelihood of a collision. Car insurance can make the difference between a minor setback and a large hassle. How can you decide what insurance you need and how to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was responsible for the accident. It is occasionally called no-fault coverage. This insurance may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of car insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people think they can get by without car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that fits you best. Auto Insurance Quotes Clermont

[Top]