Comfort Security and Your Homeowners Coverage

There are more drivers on the road each year. As this number goes up, the chances of a car accident will also increase. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Required coverage varies based on the state/province but typically includes the following: Liability: It pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. State laws typically require minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is required 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. This insurance may also cover lost earnings, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a crash. If this policy has been bought, the insured person will receive coverage for necessary medical and funeral costs. Collision: Pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Groveland