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Comfort Security and Your Insurance Policy

The number of cars on the road increases each and every year. With countless vehicles on the road, accidents are going to happen. Automobile insurance can make the difference between a small setback and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Your state or province certainly mandates some type of auto insurance. By not purchasing 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: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are sued, liability insurance can pay for your defense and court costs. Local laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This is required 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 local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. If this policy has been bought, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the proper amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other policies, including car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: * What coverage you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. Car Insurance Quotes Clermont