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Comfort Security and Your Insurance Policy

Every year, more cars travel our roads and freeways. This can lead to an increased likelihood of a car accident for you and your family. Automobile insurance can be the difference between a minor setback and a large hassle. So how do you know what insurance you need and how much you should buy? Insurance requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. 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. It may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance covers any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving without purchasing the right amount of auto insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Auto Insurance Clermont