Comfort Security and Your Insurance Coverage

There are more cars and drivers hitting the road each year. With countless vehicles on the road, crashes are going to happen. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. So how do you know what insurance you need and how much you should buy? Coverage requirements will differ by state/province, but typically include the following: Liability: It pays for the expenses you are responsible for in a car collision, including injury and property damage. If you are sued, liability insurance will pay for your court costs. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the crash. It is occasionally referred to as no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who may have been at fault. It pays for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The type of the car you own * Your driving record * Your age, gender and marital status * The place where you live Some people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. State Farm Clermont