Comfort Security and Your Homeowners Policy

Each year, more cars and drivers hit the highways. With the increasing number of vehicles on the road, accidents will happen. Automobile insurance can make the difference between a minor setback and a large trial. How can you determine what insurance you need and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Without insurance, you run the risk of having to pay the full cost of the harm or injury you cause others. Liability: Pays for damages due to personal injury and damage to property when you are responsible. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It can also cover your legal fees if you are sued. Local laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who may be responsible. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. State Farm Agent Clermont