Each year, more drivers hit America’s roads. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the car insurance you have can make a big difference in what happens next. How can you determine what insurance you need and how to purchase it? Insurance requirements will differ by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. It can also cover your defense and court costs if you are sued. Local laws usually require standard amounts, but larger amounts can be purchased and are very beneficial. 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. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * Which policies you select * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don’t wait around to buy car insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Car Insurance Logan