Comfort Security and Your Homeowners Policy

Every year, more cars hit America's roads. As this number goes up, the chances of a car wreck will also increase. The difference between a small aggravation and major pain can be your insurance. But why do you need to own insurance and just how much should you purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: Pays for damages due to personal injury and damage to property for which you are responsible. 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 usually require standard amounts, but larger amounts can be purchased and are very beneficial. 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. Local law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for a collision. If this type of coverage is bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include fire damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other policies, such as car rental, are also available. State Farm Agent Clermont