Comfort Security and Your Insurance Coverage

Each year, more cars travel America's roads. As this number goes up, the chances of a car wreck will also go up. If you get in a car wreck, the auto insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and how you can purchase it? Car insurance provides you with protection from paying for injury or damage you inflict on others while driving your car, damage to your vehicle or injury to you or your passengers from a crash, and certain other situations, such as robbery. By not purchasing insurance, you run the risk of having to pay the total cost of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your defense and court costs if you are sued. State laws usually require minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. This insurance can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for damages when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other types of car insurance, like emergency road service and car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: * Which policies you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you should never be on the road without it. Review your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Car Insurance Quotes Clermont