Comfort Security and Your Insurance Policy

We see more drivers on the road every year. With countless vehicles on the road, crashes can happen. Automobile insurance can be the difference between a minor inconvenience and a major trial. But why is insurance important and just how much do you need? Car insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to other people, yourself, or your passengers, and certain other situations, such as robbery. Your state or province certainly requires some type of auto insurance. Without insurance, you risk having to pay the full cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. It also covers your legal fees if you are sued. Local laws typically require minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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. It can also cover lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive coverage for reasonable medical or funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection covers any damages not caused by a collision. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance protection. Other policies, such as emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have consider car insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. State Farm Clermont