Comfort Security and Your Home Insurance Policy

There are more cars and drivers hitting the road every year. As this number goes up, the chances of a car collision will also go up. If you get in a car crash, the auto insurance you own can make a big difference in what happens next. But why do you need to own insurance and just how much should you purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Every state and province mandates car insurance by law. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. It can also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical or funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Other kinds of coverage, such as car rental, are also available. State Farm Clermont