Comfort Security and Your Insurance Policy

Each year, more automobiles and drivers are on the roads. As this number goes up, the chances of a car wreck will also go up. The difference between a little bother and large pain can be car insurance. But why do you need insurance and just how much do you need? Required coverage varies based on the state/province but typically includes the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are sued, it also pays your defense and court costs. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was responsible for the collision. It is required in some states and optional in others. It may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may be responsible. It pays for all insured person's necessary medical and funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by an accident. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, such as emergency road service, are also available. Auto Insurance Quotes Clermont