Comfort Security and Your Insurance Policy
Every year, more cars hit our roads and freeways. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a minor inconvenience and a major hassle. But why do you need to own insurance and just how much should you buy? Car accidents can lead to a variety of different expenses, which your car insurance can pay for based on the type of coverage you own. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for an accident. If this policy has been purchased, the insured person will receive payment for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other policies, such as car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Golf Cart Insurance Clermont