Comfort Security and Your Homeowners Policy

You will see more drivers on the road each year. With the increasing number of vehicles on the road, crashes can happen. The difference between a small bother and large pain can be your insurance. But why do you need insurance and just how much should you buy? Auto insurance provides you with protection from covering the cost of damage caused to your car or another person's car and injury to others, yourself, or passengers in your car, and certain other incidents, such as theft. Every state and province mandates car insurance by law. By not owning insurance, you risk having to pay the total cost of any harm or injury you cause others. Liability: Liability pays for damages due to bodily injury and property damage to others where you are responsible. If you are sued, this type of insurance will pay for your legal fees. Local laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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 this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Golf Cart Insurance Clermont