You will see more cars on the road every year. With countless vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you own can make a large difference in the experience you have. How can you determine what type of insurance you require and how to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It also covers your legal fees if you are sued.

Local laws typically require standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This 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 law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the full amount of the damages.

Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender 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 save you from a financial disaster. Review your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. home insurance 67235