Comfort Security and Your Homeowners Policy

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There are more cars on the road every year. This can lead to a higher possibility of a collision for you and your family. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much you should buy? Required coverage varies by state/province but typically includes the following: 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 fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the collision. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance coverage. Other policies, including car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: * Which policies you select * The make and model of the car you own * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Car Insurance Groveland