Comfort Security and Your Insurance Coverage

There are more drivers hitting the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a small aggravation and large obstacle can be car insurance. How can you determine what insurance you require and how you can buy it? Car insurance provides you with protection from covering the cost of damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, plus certain other occurrences, such as robbery. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. Local government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a crash. If this type of coverage has been purchased, the insured person will receive payment for necessary medical or funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without sufficient insurance protection. Other types of car insurance, such as emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial dilemma. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. Car Insurance Groveland

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