We see more cars on the road every year. As this number increases, the possibility of accidents also increases. Automobile insurance can make the difference between a small inconvenience and a major trial. So how do you know what type of car insurance you need and how much to purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of liability 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 can also pay for lost earnings, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a collision. It pays for all insured person’s reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without enough insurance coverage. Other types of coverage, such as emergency road service, can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you select * The type of the car you drive * Your driving record * Your age, sex and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you. State Farm 33175