Comfort Security and Your Insurance Coverage

There are more cars on the road every year. With the increasing number of vehicles on the road, accidents will happen. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. But why is insurance required by law and just how much do you need? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is sometimes referred to as no-fault coverage. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Golf Cart Insurance Clermont