Comfort Security and Your Homeowners Policy

The amount of cars and drivers on the road increases each year. As this number goes up, the chances of a car accident will also increase. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. So how can you figure out which type of insurance you need and how much you should buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. If you are sued, it also pays your legal fees. Local laws usually require minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the collision. It is occasionally called no-fault coverage. Local law 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 all insured person's necessary medical or funeral expenses resulting from an accident. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, such as emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. State Farm Agent Clermont