Comfort Security and Your Home Insurance Coverage

Every year, more cars hit the highways. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a small inconvenience and a large hassle. How can you determine what insurance you require and how you can buy it? Auto insurance protects you by paying for damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or your passengers, plus certain other incidents, such as theft. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: * Which policies you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have come to think of car insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. State Farm Agent Clermont