Comfort Security and Your Insurance Policy

You will see more and more cars on the road each year. This could lead to a higher possibility of a collision. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. So how can you find out what type of car insurance you need and how much to purchase? Auto insurance provides you with protection from covering the cost of injury or damage you inflict on others while driving your car, damage to your vehicle or injury to you or your passengers from a crash, plus certain other situations, such as theft. Auto insurance is required by law in all states and provinces. Without insurance, you risk having to pay the total price of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is commonly referred to as no-fault coverage. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other policies, like car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. Golf Cart Insurance Clermont