You will see more cars on the road each year. This can lead to an increased likelihood of a car accident. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. So how can you find out what insurance you need and how much to purchase? Coverage requirements vary by state/province, but usually include the following: Liability: Pays for damages due to bodily injury and property damage to others when you are responsible. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. It may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. If this policy has been purchased, the insured person will receive payment for necessary medical or funeral costs. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without owning the proper amount of car insurance. This insurance will cover you if one of these drivers hit you. 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 cover the total cost of the damages. Other types of coverage, such as emergency road service and car rental, are also available. Insurance Agents 36695
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