Comfort Security and Your Home Insurance Policy

Each year, more drivers hit our roads and freeways. As this number goes up, the possibility of accidents also goes up. The difference between a little aggravation and major obstacle can be automobile insurance. So how can you figure out which type of insurance you need and how much you should buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are in legal trouble, this type of insurance will pay for your court costs. Local laws typically mandate standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. It pays for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other policies, including car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. State Farm Agent Clermont