Comfort Security and Your Homeowners Policy
- 11 28, 2019
- |Insurance Brokers
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We see more and more cars on the road each year. With so many vehicles on the road, crashes will happen. Car insurance can make the difference between a minor inconvenience and a major hassle. But why is insurance required by law and just how much do you need? Car crashes can lead to a variety of different expenses, which your car insurance can pay for based on the insurance policy you own. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. 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. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: * What coverage you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. State Farm Clermont