We see more and more drivers on the road each year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a minor inconvenience and a major trial. How can you determine what insurance you need and how to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. 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 cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. 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. If this type of coverage is bought, the insured person will receive coverage for all types of medical and funeral expenses. Collision: 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: Pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance protection. Other policies, such as car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your desired 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 Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that best suits you. Motorcycle Insurance 42701