Comfort Security and Your Home Insurance Coverage

There are more cars on the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a little bother and large pain can be the car insurance you have purchased. So how can you figure out what insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. 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 defense and court costs if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance 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. It can also pay for lost earnings, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This kind of insurance protection takes care of all non-collision damages. This may include flood damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: * What coverage you select * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. Car Insurance Groveland