Comfort Security and Your Homeowners Coverage

There are more drivers hitting the road every year. With countless vehicles on the road, crashes can happen. Car insurance can be the difference between a minor setback and a large trial. How can you determine what type of insurance you need and how to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Local laws typically require minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. 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. The minimum amount of personal injury protection is usually set by local government. 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. It pays for an insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance coverage. Other kinds of coverage, including car rental, are also available. State Farm Clermont