Comfort Security and Your Home Insurance Policy
There are more cars hitting the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the auto insurance you own can make a large difference in the experience you have. But why do you need insurance and just how much should you buy? Required coverage varies by state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for an accident. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the right amount of insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of coverage, including car rental, are also available. State Farm Agent Clermont