Comfort Security and Your Insurance Coverage

Every year, more automobiles and drivers are on the highways. With countless vehicles on the road, crashes can happen. Car insurance can make the difference between a small setback and a large trial. How can you determine what insurance you require and how to buy it? Insurance requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually require minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Other types of coverage, such as car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: * What coverage you choose * The make and model of the vehicle you drive * Your driving record * Your age, gender and marital status * Where you live Some drivers may not want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont