Comfort Security and Your Insurance Coverage

Written by admin September 1st, 2014

We see more drivers on the road each year. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and major obstacle can be [...]

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We see more drivers on the road each year. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and major obstacle can be your insurance. But why is insurance required by law and just how much do you need? Car accidents can lead to a variety of different expenses, which your insurance might be able to pay for based on the insurance policy you have purchased. Every state or province mandates auto insurance by law. By not owning insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. If you are sued, it also pays your legal fees. State laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was responsible for the crash. It is sometimes referred to as no-fault coverage. This insurance may also pay for lost wages, service replacement and funeral costs. State government 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. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without enough insurance protection. Other policies, including emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you choose * The make and model of the car you own * Your driving record * Your age, sex and marital status * The place where you live Don’t wait around to buy auto insurance; you should never drive a car without it. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. Golf Cart Insurance Clermont

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