Comfort Security and Your Home Insurance Policy

You will see more cars on the road each year. With so many vehicles on the road, accidents will happen. The difference between a small bother and large obstacle can be car insurance. But why do you need insurance and just how much should you get? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that cover 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. This insurance can also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may be responsible. If this policy has been purchased, the insured person will receive payment for necessary medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: This type of insurance covers all damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Insurance Clermont