Comfort Security and Your Homeowners Coverage

There are more drivers on the road every year. With countless vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. But why is insurance important and just how much should you buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Your state or province certainly mandates some type of car insurance. By not purchasing insurance, you run the risk of having to pay the full price of the harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the collision. It is commonly called no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of auto 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 responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of coverage, like emergency road service and car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Auto Insurance Clermont