Comfort Security and Your Homeowners Coverage

There are more cars and drivers on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you own can make a large difference in what happens next. So how do you know which type of insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Pays for damages due to personal injury and property damage to others where you are responsible. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, liability insurance can pay for your legal fees. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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 wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without enough insurance coverage. Other policies, like car rental and emergency road service, are also available. Your car insurance payments vary by 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, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Insurance Clermont