Comfort Security and Your Insurance Coverage

Each year, more automobiles and drivers are on the roads. This could lead to an increased likelihood of a car accident. The difference between a small aggravation and major pain can be your car insurance. So how do you know what type of car insurance you need and the quantity you should purchase? Car crashes can result in many different expenses, which can all be paid for based on the type of insurance you have purchased. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property and loss of property use. If you are sued, it also pays your defense and court costs. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Agent Clermont