Comfort Security and Your Home Insurance Policy
There are more cars and drivers hitting the road each year. With so many vehicles on the road, crashes are going to happen. Car insurance can make the difference between a small inconvenience and a major trial. But why do you need insurance and just how much should you buy? Insurance requirements vary by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are sued, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. It can also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. This insurance will pay for all insured person's necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance protection. Other kinds of coverage, including car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: * What coverage you select * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. Car Insurance Groveland