Comfort Security and Your Homeowners Policy

There are more cars on the road each year. This can lead to an increased likelihood of a collision for you and your family. If you get in a car accident, the car insurance you own can make a big difference in what happens next. But why do you need insurance and just how much should you buy? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages might include bodily injury, and property damage. It also covers your legal fees if you are sued. State laws typically require minimum amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This is mandated 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. It may also pay for lost earnings, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, such as car rental and emergency road service, are also available. State Farm Clermont