Comfort Security and Your Homeowners Policy

There are more drivers hitting the road each year. As this number goes up, the chances of a car collision will also go up. If you get in a car wreck, the car insurance you own can make a big difference in the experience you have. So how can you find out what type of car insurance you need and the quantity you should purchase? Car insurance protects you by paying for damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or passengers in your car, plus certain other incidents, such as theft. Car insurance is required by state law. By not owning insurance, you risk having to pay the full cost of the harm you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are sued, it also pays your court costs. State laws typically mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. It may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for necessary medical and funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include flood damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when an insured person 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: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, including emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Many people may not want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Auto Insurance Quotes Clermont