Comfort Security and Your Insurance Coverage

Every year, more cars and drivers are on the highways. As this number increases, the chances of a car collision will also increase. Car insurance can make the difference between a minor setback and a large trial. How can you decide what insurance you need and where you should go to buy it? Car insurance protects you by paying for damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or your passengers, and certain other situations, such as burglary. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: It pays for expenses due to personal injury and property damage to others that you are responsible for. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is mandated in some states and optional in others. It can also pay for lost wages, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance protection covers all non-collision damages. This may include fire damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Auto Insurance Clermont