Auto Insurance 44720 The number of cars and drivers on the road increases each year. With so many vehicles on the road, accidents will happen. The difference between a small bother and major obstacle can be the car insurance you have purchased. So how can you figure out which type of insurance you need and how much you should buy? Insurance requirements vary by state/province, but typically include the following: Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. If you are sued, it also pays your defense and court costs. State laws typically require minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is mandated in some states and optional in others. It can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person’s reasonable medical and funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the right amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: * Which policies you choose * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some have consider car insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that fits you best.