Comfort Security and Your Homeowners Coverage

There are more drivers on the road each year. This could lead to a higher possibility of a collision. Car insurance can make the difference between a minor setback and a large hassle. But why do you need insurance and just how much do you need? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. Local laws typically require standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from people driving without enough insurance protection. Other types of coverage, like car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: * What coverage 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 Many drivers may not want to pay for car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. State Farm Clermont