Comfort Security and Your Insurance Policy

Each year, more cars and drivers hit the roads. As this number increases, the chances of a car wreck will also go up. Car insurance can make the difference between a minor setback and a large hassle. How can you decide what insurance you need and where you should go to buy it? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. If you are sued, this type of insurance will pay for your defense and court costs. State laws usually mandate standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is mandated in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for a crash. If you buy this type of coverage, you will receive payment for necessary medical or funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection covers any non-collision damages. This may include fire damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the right amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other policies, like car rental and emergency road service, are also available. Car Insurance Groveland

[Top]