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Comfort Security and Your Insurance Coverage

Every year, more automobiles and drivers travel our roads and freeways. As this number goes up, the chances of a car accident will also go up. If you get in a car wreck, the auto insurance you have can make a big difference in what happens next. But why do you need insurance and exactly how much should you buy? Car crashes can lead to a variety of different expenses, which can all be paid for based on the type of insurance you have purchased. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. It can also pay for lost earnings, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment 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 or funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This could include weather damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other policies, like car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: * Which policies you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Some drivers may not want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. Auto Insurance Quotes Clermont