Comfort Security and Your Insurance Coverage

There are more cars on the road each year. This can lead to a higher possibility of a car accident for you and your family. The difference between a little bother and large pain can be car insurance. How can you decide what insurance you need and how you can purchase it? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Automobile insurance is mandated by law in all states and provinces. Without insurance, you risk having to pay the total price of the harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: It pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is commonly called no-fault coverage. It may also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance covers all damages not caused by a collision. This may include fire damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance coverage. Other policies, such as car rental, are also available. Car Insurance Groveland