Comfort Security and Your Homeowners Coverage
The number of cars on the road increases each and every year. This can lead to an increased likelihood of a car accident for you and your family. Automobile insurance can be the difference between a small setback and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include bodily injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. It may also pay for lost earnings, replacement of services and funeral expenses. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for necessary medical or funeral expenses. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other policies, such as emergency road service, are also available. State Farm Clermont