Comfort Security and Your Homeowners Policy

Every year, more cars and drivers travel the roads. This could lead to an increased likelihood of a car accident. The difference between a little aggravation and large obstacle can be the car insurance you have purchased. So how can you find out what type of car insurance you need and how much to purchase? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Car insurance is mandated by law in all states and provinces. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a crash. This insurance will pay for an insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. State Farm Agent Clermont