Comfort Security and Your Homeowners Policy

Each year, more cars hit America's roads. As this number goes up, the chances of a car wreck will also go up. Car insurance can be the difference between a minor setback and a major trial. How can you determine what insurance you require and how to purchase it? Coverage requirements vary by state/province, but usually include the following: Liability: Liability pays for damages due to bodily injury and damage to property that you have caused. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is occasionally referred to as no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. If you purchase this type of coverage, you will receive coverage for all types of medical or funeral expenses. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance takes care of any non-collision damages. This could include flood damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of car insurance, including emergency road service, are also available. Auto Insurance Clermont