Comfort Security and Your Homeowners Coverage

Every year, more cars travel our roads and freeways. With so many vehicles on the road, accidents are going to happen. Car insurance can make the difference between a small setback and a large trial. So how can you figure out what insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. It can also cover your legal fees if you are sued. Local laws usually mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This 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. Local government usually sets minimum amounts. 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. It pays for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability insurance or by a driver who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Other kinds of car insurance, including emergency road service and car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Groveland