Comfort Security and Your Insurance Coverage

You will see more cars on the road every year. As this number increases, the chances of a car wreck will also increase. Automobile insurance can be the difference between a small setback and a major trial. How can you decide what insurance you need and where you should go to buy it? Car accidents can lead to many different expenses, which can all be paid for based on the type of insurance you own. Deciding 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: Personal injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required 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. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection covers all non-collision damages. This could include hail damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Other kinds of coverage, like car rental, can also be purchased. Auto Insurance Quotes Clermont