Comfort Security and Your Insurance Policy

Each year, more cars travel our roads and freeways. With so many vehicles on the road, crashes can happen. The difference between a small bother and major obstacle can be car insurance. So how can you figure out which type of insurance you need and how much you should buy? Insurance requirements vary by state/province, but typically include the following: Liability: Pays for damages due to personal injury and damage to property that you are responsible for. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was at fault in the crash. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance covers all non-collision damages. This may include flood damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Clermont