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Comfort Security and Your Insurance Policy

There are more cars hitting the road every year. With so many vehicles on the road, crashes can happen. The difference between a small bother and large obstacle can be automobile insurance. But why do you need to own insurance and just how much should you buy? Car crashes can result in many different expenses, which your insurance might be able to pay for based on the type of insurance you have purchased. By not owning insurance, you risk having to pay the total price of any harm or injury you cause others. Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are in legal trouble, it also pays your court costs. State laws usually mandate standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was at fault in the crash. It is required in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may be responsible. If you buy this type of coverage, you will receive payment for all types of medical or funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance covers any damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, such as car rental, are also available. What you pay for car 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 Some people have consider car insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. State Farm Clermont