Comfort Security and Your Insurance Coverage

The number of cars on the road increases every year. With countless vehicles on the road, crashes can happen. Automobile insurance can make the difference between a minor inconvenience and a major trial. So how do you know which type of insurance you need and how much you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Without insurance, you run the risk of having to pay the total cost of any harm or injury you cause others. Liability: It pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This is required 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may have been at fault. It pays for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection takes care of all non-collision damages. This may include flood 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 will protect you. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Other types of coverage, including car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. State Farm Agent Clermont