Comfort Security and Your Home Insurance Policy

Every year, more cars and drivers are on the highways. This can lead to an increased likelihood of a car accident. Automobile insurance can be the difference between a small setback and a large trial. But why is insurance important and just how much should you buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are sued, it also pays your court costs. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. 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 will pay regardless of who may have been at fault. If this policy is bought, the insured person will receive payment for all types of medical or funeral costs. Collision: Pays for damages to your car caused by a collision. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without enough insurance coverage. Other types of coverage, like emergency road service, are also available. State Farm Agent Clermont