Comfort Security and Your Home Insurance Policy

The number of cars on the road increases each year. As this number increases, the chances of a car accident will also go up. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. So how do you know which type of insurance you need and how much to buy? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you own. No matter where you live, you will need to buy some type of car insurance. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. 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 may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. It pays for an insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many drivers may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. State Farm Agent Clermont