Comfort Security and Your Insurance Policy

Every year, more automobiles and drivers hit the highways. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a small inconvenience and a major trial. So how do you know what type of car insurance you need and the quantity you should purchase? Required coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. It can also cover your legal fees if you are sued. Local laws usually require standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was at fault in the crash. It is commonly referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the right amount of auto insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other types of coverage, such as car rental and emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. State Farm Agent Clermont