Comfort Security and Your Insurance Policy

There are more cars hitting the road every year. This could lead to an increased likelihood of a collision for you and your family. The difference between a small aggravation and large obstacle can be the car insurance you have purchased. But why do you need to own insurance and just how much should you purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: It pays for damages due to bodily injury and property damage to others that you are responsible for. If you are sued, liability insurance will pay for your legal fees. State laws typically mandate standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without having the proper amount of auto insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other types of car insurance, like emergency road service and car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: *Your desired 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 Many people consider car insurance to be 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 best suits you. Car Insurance Groveland