Comfort Security and Your Insurance Coverage

Every year, more drivers travel America's roads. As this number increases, the chances of a car accident will also increase. If you get in a car wreck, the car insurance you have can make a large difference in what happens next. But why do you need insurance and just how much should you purchase? Auto insurance protects you by covering the cost of injury or damage you cause others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, and certain other situations, such as theft. Without insurance, you run the risk of having to pay the full price of the harm or injury you cause others. Liability: Liability pays for expenses due to personal injury and property damage to others when you are responsible. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was at fault in the accident. It is mandated in some states and optional in others. This insurance can also pay for lost earnings, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. This insurance will pay for an insured person's necessary medical or funeral expenses for bodily injury from an accident. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection covers all non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. Car Insurance Groveland