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Comfort Security and Your Insurance Policy

You will see more and more drivers on the road each year. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a minor inconvenience and a large hassle. So how can you find out what insurance you need and how much to purchase? Auto insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to others, yourself, or passengers in your car, plus certain other situations, such as robbery. By not owning insurance, you run the risk of having to pay the full price of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. This insurance can also cover lost earnings, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for an accident. If this type of coverage has been bought, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the right amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other kinds of car insurance, including emergency road service, are also available. Car Insurance Quotes Clermont