Comfort Security and Your Homeowners Policy

There are more drivers on the road every year. As this number goes up, the chances of a car collision will also increase. The difference between a little aggravation and major obstacle can be your insurance. So how can you find out what type of car insurance you need and how much to purchase? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Automobile insurance is required by state law. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This kind of insurance can pay for the damage that you have caused. These damages might include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. 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. Local government usually 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 an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of car insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Car Insurance Groveland