Comfort Security and Your Homeowners Coverage

There are more drivers on the road every year. With the increasing number of vehicles on the road, crashes are going to happen. The difference between a small aggravation and large pain can be automobile insurance. But why do you need insurance and just how much should you buy? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. It may also cover lost earnings, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: This type of 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 reasonable medical or funeral costs. Collision: Damages resulting from a collision 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 includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. State Farm Agent Clermont

[Top]