Comfort Security and Your Insurance Policy

Each year, more drivers hit our roads and freeways. With countless vehicles on the road, crashes are going to happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Car crashes can result in many different expenses, which can all be paid for based on the insurance policy you own. Electing to drive without 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: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was responsible for the crash. It is sometimes referred to as no-fault coverage. Local law typically sets minimum amounts. Medical Payments: This type of coverage is available 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 and necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without having the proper amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Other policies, such as car rental and emergency road service, are also available. State Farm Agent Clermont