Comfort Security and Your Insurance Policy

There are more cars and drivers hitting the road each year. With the increasing number of vehicles on the road, crashes can happen. Car insurance can be the difference between a minor setback and a large hassle. But why do you need to own insurance and exactly how much should you buy? Required coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Local laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the accident. It is sometimes referred to as no-fault coverage. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the total cost of the damages. Other policies, including car rental, are also available. State Farm Clermont