Comfort Security and Your Home Insurance Coverage

Every year, more automobiles and drivers travel the roads. With countless vehicles on the road, crashes can happen. If you get in a car wreck, the car insurance you have can make a large difference in the experience you have. How can you decide what type of insurance you require and how to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. By not owning insurance, you run the risk of having to pay the full cost of the harm or injury you cause others. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can 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 property use. If you are in legal trouble, this type of insurance will pay for your court costs. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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 cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for an accident. If you buy this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, including: * What coverage you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont