Comfort Security and Your Homeowners Policy

There are more cars hitting the road every year. With so many vehicles on the road, accidents can happen. If you get in a car accident, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Coverage requirements vary by state/province, but usually include the following: Liability: Liability pays for expenses due to bodily injury and property damage to others for which you are responsible. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. If you are in legal trouble, it also pays your defense and court costs. State laws usually require minimum amounts of liability insurance, but larger amounts are available and usually recommended. 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. It can also cover lost wages, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other policies, like emergency road service, are also available. State Farm Clermont