Comfort Security and Your Homeowners Coverage

We see more and more drivers on the road each year. With the increasing number of vehicles on the road, accidents will happen. The difference between a small bother and major obstacle can be your insurance. But why is insurance important and just how much should you get? Car insurance provides you with protection from paying for damage caused to your car or another person's car and injury to others, yourself, or your passengers, and certain other occurrences, such as robbery. Without insurance, you risk having to pay the total cost of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, it also pays your legal fees. State laws typically require standard amounts of liability insurance, but larger amounts are available and extremely helpful. 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. It can also cover lost wages, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This may include fire damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other kinds of car insurance, such as emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think they can get by without car insurance, but it is truly 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 best suits you. Car Insurance Groveland