Comfort Security and Your Home Insurance Policy
There are more drivers hitting the road each year. As this number increases, the chances of a car wreck will also increase. Car insurance can be the difference between a small setback and a major trial. So how can you find out what type of car insurance you need and the quantity you should purchase? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. If you are sued, liability insurance can pay for your defense and court costs. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was at fault in the crash. It is occasionally called no-fault coverage. This insurance may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Insurance Clermont