Comfort Security and Your Insurance Coverage
- 9 28, 2019
- |Auto Insurance
- No Comments
The number of drivers on the road increases every year. This can lead to a higher possibility of a car accident for you and your family. The difference between a little aggravation and large obstacle can be the car insurance you own. How can you determine what insurance you require and how you can purchase it? Coverage requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. It also covers your defense and court costs if you are sued. Local laws typically mandate minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: This is mandated 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. This insurance may also pay for lost earnings, replacement of services and funeral expenses. Local 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. If you purchase this type of coverage, you will receive payment for all types of medical or funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood 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: 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 covers you in accidents involving those drivers. Other types of car insurance, including emergency road service, can also be purchased. Your auto insurance payments vary by company and will depend on several 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 Many people think of auto insurance as a necessary evil, but it can save you from a financial crisis. Review your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Auto Insurance Clermont