Comfort Security and Your Homeowners Coverage
Every year, more cars and drivers hit the highways. As this number increases, the chances of a car wreck will also go up. Car insurance can be the difference between a minor inconvenience and a major hassle. How can you decide what insurance you require and how to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. It may also pay for lost wages, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the proper amount of insurance. This type of coverage will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance coverage. Other types of car insurance, including emergency road service and car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you should never be on the road without it. Review your needs, research your options, and with the help of your insurance agent, choose the option that best suits you. Golf Cart Insurance Clermont