Comfort Security and Your Homeowners Coverage

The number of drivers on the road increases each and every year. This could lead to an increased likelihood of a collision for you and your family. Automobile insurance can be the difference between a small setback and a large trial. But why do you need to own insurance and just how much should you purchase? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your court costs. Local laws usually mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was at fault in the crash. It is occasionally referred to as no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be covered under this kind of car insurance. 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 a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other policies, including emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. State Farm Clermont