Comfort Security and Your Home Insurance Coverage

The number of drivers on the road increases each and every year. This could lead to a higher possibility of a collision for you and your family. If you get in a car crash, the car insurance you own can make a big difference in what happens next. But why do you need to own insurance and just how much should you purchase? Car crashes can result in many different expenses, which your insurance might be able to pay for based on the type of insurance you own. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, liability insurance can pay for your legal fees. State laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance 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. It can also cover lost wages, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Clermont