Every year, more automobiles and drivers are on the roads. As this number increases, the chances of a car wreck will also increase. Automobile insurance can be the difference between a minor inconvenience and a large hassle. So how can you find out what insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your legal fees if you are sued.

State laws typically require minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. 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 wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this type of coverage is bought, the insured person will receive payment for reasonable medical or funeral costs. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to pay for the total cost of the damages.

Emergency road service, car rental, and other varieties of coverage can also be purchased. car insurance 67235