Each year, more automobiles and drivers are on the highways. As this number increases, the possibility of accidents also increases. The difference between a small bother and major pain can be the car insurance you own. How can you decide what type of insurance you require and how to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: This kind of insurance can pay for the damage that you have caused. These damages might include personal injury, and property damage. If you are in legal trouble, liability insurance can pay for your legal fees.

Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. This insurance 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 will pay regardless of who carries responsibility for a collision. If you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance protection covers any damages not caused by a collision. This could include hail damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the proper amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have enough liability insurance to pay for the total cost of the damages.

Other types of car insurance, like emergency road service, can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it can truly rescue you from a financial disaster. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. state farm 85203