Comfort Security and Your Homeowners Policy

There are more cars hitting the road each year. As this number goes up, the chances of a car wreck will also increase. If you get in a car wreck, the auto insurance you own can make a large difference in what happens next. So how can you figure out which type of insurance you need and how much you should buy? Mandated coverage varies by state/province but typically includes the following: Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the crash. It is required in some states and optional in others. This insurance can also cover lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. If this type of coverage has been bought, the insured person will receive payment for necessary medical and funeral expenses. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other policies, like emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: * What coverage you select * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Auto Insurance Clermont