Comfort Security and Your Homeowners Policy

There are more drivers hitting the road every year. This could lead to an increased likelihood of a car accident. The difference between a small bother and major obstacle can be car insurance. So how do you know what insurance you need and how much to buy? Mandated coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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 government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. It pays for all insured person's necessary medical and funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include fire damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Quotes Clermont