Auto insurance 20020 You will see more and more cars on the road each year. This can lead to a higher possibility of a car accident. Automobile insurance can be the difference between a minor inconvenience and a large hassle. So how do you know what insurance you need and the quantity you should purchase? Insurance 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. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the crash. It is occasionally referred to as no-fault coverage. This insurance may also cover lost wages, service replacement and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that can’t cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many drivers may not want to pay for car insurance, but it is honestly something you don’t want to live without. Review your needs, do your research , and with the support of your insurance agent, choose the option that fits you best.