Comfort Security and Your Insurance Policy

You will see more and more drivers on the road each year. As this number increases, the chances of a car accident will also increase. Car insurance can make the difference between a small inconvenience and a large hassle. How can you determine what insurance you require and where you should go to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: Pays for expenses due to bodily injury and damage to property that you have caused. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, it also pays your court costs. State laws typically mandate minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This 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. It may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont

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