Comfort Security and Your Insurance Coverage

Every year, more cars travel our roads and freeways. As this number goes up, the chances of a car collision will also increase. If you get in a car accident, the auto insurance you own can make a big difference in what happens next. But why do you need insurance and just how much should you buy? Car insurance protects you by covering the cost of damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or your passengers, and certain other incidents, such as burglary. By not owning insurance, you risk having to pay the full cost of the harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Pays for damages due to bodily injury and property damage to others that you are responsible for. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required 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. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you should never drive a car without it. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. State Farm Agent Clermont