Comfort Security and Your Insurance Policy
We see more and more cars on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. So how do you know what type of car insurance you need and the quantity you should buy? Car insurance protects you by covering the cost of injury or damage you inflict on others while driving your car, damage to your car or injury to you or your passengers from an accidents, and specific other situations, such as robbery. Without insurance, you run the risk of having to pay the total price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, liability insurance will pay for your defense and court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is bought, the insured person will receive payment for all types of medical or funeral expenses. Collision: Pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to cover the total cost of the damages. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. Car Insurance Groveland