Car Insurance 80918 Every year, more automobiles and drivers are on the roads. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small inconvenience and a major trial. How can you determine what type of insurance you require and how to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. It also covers your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. State law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a collision 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: Many drivers are breaking the law by driving without owning the right amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, such as car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the help of your insurance agent, make the decision that best suits you.