Comfort Security and Your Insurance Coverage

There are more drivers on the road every year. As this number increases, the chances of a car collision will also go up. Automobile insurance can be the difference between a small setback and a major trial. But why is insurance important and just how much should you buy? Car insurance provides you with protection from paying for damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or your passengers, and specific other incidents, such as theft. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: It pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are sued, it also pays your defense and court costs. Recommended, higher levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was responsible for the crash. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Clermont