Comfort Security and Your Homeowners Coverage

We see more cars on the road every year. This could lead to an increased likelihood of a car accident. Car insurance can make the difference between a minor setback and a large hassle. How can you decide what insurance you require and how to buy it? Car crashes can result in a variety of different expenses, which can all be paid for based on the insurance policy you own. By not owning insurance, you risk having to pay the total price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are sued, it also pays your legal fees. Local laws usually mandate standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the crash. It is mandated in some states and optional in others. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without enough insurance coverage. Other policies, such as car rental, are also available. State Farm Clermont