Comfort Security and Your Home Insurance Policy

The amount of cars on the road increases each year. With countless vehicles on the road, crashes are going to happen. If you get in a car crash, the car insurance you have can make a large difference in what happens next. How can you determine what insurance you need and how you can purchase it? Coverage requirements vary by state/province, but typically include the following: Liability: Liability pays for damages due to bodily injury and damage to property that you have caused. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the collision. It is commonly called no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. This insurance will pay for all insured person's reasonable medical or funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont

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