Comfort Security and Your Home Insurance Coverage

Each year, more cars and drivers travel the highways. As this number increases, the chances of a car accident will also go up. If you get in a car crash, the car insurance you own can make a large difference in how much you have to pay. How can you decide what type of insurance you require and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. By not purchasing insurance, you run the risk of having to pay the full cost of the harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are sued, liability insurance will pay for your defense and court costs. Local laws usually require minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This 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. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the proper amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Quotes Clermont

[Top]