Comfort Security and Your Insurance Policy

There are more cars hitting the road each year. As this number goes up, the chances of a car wreck will also go up. Car insurance can be the difference between a small inconvenience and a major trial. But why do you need insurance and exactly how much should you purchase? Car crashes can lead to many different expenses, which your car insurance can pay for based on the type of insurance you have purchased. Without insurance, you risk having to pay the full price of any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: It pays for expenses due to personal injury and property damage to others that you have caused. It can also cover your defense and court costs if you are sued. State laws usually require minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was at fault in the collision. It is required in some states and optional in others. It can also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a collision. It pays for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This may include flood damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, such as car rental and emergency road service, are also available. State Farm Agent Clermont