Comfort Security and Your Insurance Policy

There are more drivers on the road each year. As this number increases, the chances of a car accident will also go up. The difference between a small bother and major pain can be car insurance. So how can you find out what type of car insurance you need and how much to purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage has been bought, the insured person will receive payment for necessary medical and funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection takes care of all non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Many drivers are breaking the law by driving without owning the proper amount of auto insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other policies, like car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: * What coverage you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people may not want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont