Comfort Security and Your Home Insurance Coverage

There are more cars on the road every year. As this number increases, the chances of a car wreck will also go up. Car insurance can be the difference between a minor setback and a large hassle. But why do you need insurance and just how much should you buy? Car accidents can lead to many different expenses, which can all be paid for based on the insurance policy you have purchased. By not purchasing insurance, you run the risk of having to pay the full cost of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: It pays for expenses due to bodily injury and property damage to others that you are responsible for. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, this type of insurance can pay for your legal fees. Local laws usually mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is required in some states and optional in others. This insurance may also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't 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 coverage can also be purchased. Car Insurance Groveland