Comfort Security and Your Homeowners Coverage

The number of cars on the road increases each and every year. With so many vehicles on the road, crashes can happen. Car insurance can make the difference between a small setback and a large trial. But why do you need insurance and just how much should you buy? Coverage requirements vary by state/province, but usually include the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. If this type of coverage has been bought, the insured person will receive coverage for necessary medical or funeral expenses. Collision: This pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. 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. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple 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 * Where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Auto Insurance Clermont