Comfort Security and Your Insurance Policy

There are more drivers on the road every year. As this number increases, the chances of a car accident will also increase. Car insurance can be the difference between a minor setback and a large hassle. How can you determine what insurance you require and how to buy it? Auto insurance provides you with protection from covering the cost of injury or damage you inflict on others while driving your car, damage to your car or injury to you or your passengers from a crash, plus certain other occurrences, such as robbery. Without insurance, you risk having to pay the total price of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. It can also cover your defense and court costs if you are sued. State laws typically mandate standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for an accident. It pays for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include hail damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage. Other policies, such as 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 choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. State Farm Agent Clermont

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