Comfort Security and Your Homeowners Coverage

The number of cars and drivers on the road increases every year. With so many vehicles on the road, crashes will happen. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are sued, it also pays your legal fees. State laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was at fault in the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. If this policy has been bought, the insured person will receive payment for reasonable medical or funeral costs. Collision: This pays for damages to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other policies, like car rental, are also available. Insurance Clermont