Comfort Security and Your Insurance Coverage

There are more drivers hitting the road every year. With so many vehicles on the road, crashes will happen. Car insurance can be the difference between a small setback and a large trial. So how do you know what insurance you need and the quantity you should purchase? Coverage requirements vary by state/province, but typically include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws typically require standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. This insurance can also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. It pays for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other policies, such as car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * Which policies you select * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. State Farm Clermont

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