Comfort Security and Your Insurance Policy
We see more and more drivers on the road each year. This can lead to an increased likelihood of a car accident. Car insurance can be the difference between a small inconvenience and a large trial. How can you determine what insurance you need and where you should go to buy it? Car crashes can result in many different expenses, which can all be paid for based on the insurance policy you own. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: It pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This is mandated 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. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from people driving without enough insurance protection. 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 multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some drivers think they can get by without car insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Auto Insurance Clermont