Comfort Security and Your Homeowners Coverage

There are more drivers on the road every year. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the car insurance you own can make a large difference in what happens next. How can you decide what insurance you require and how to buy it? Coverage requirements vary by state/province, but typically include the following: Liability: Pays for expenses due to personal injury and property damage to others that you have caused. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your defense and court costs if you are sued. Local laws typically require standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. This insurance can also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. It pays for all insured person's necessary medical and funeral expenses resulting from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the proper amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Other types of coverage, like emergency road service, are also available. Golf Cart Insurance Clermont