There are more cars and drivers hitting the road each year. This can lead to an increased likelihood of a collision for you and your family.

Automobile insurance can make the difference between a small setback and a major hassle. But why do you need to own insurance and just how much should you purchase? Mandated coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. It can also cover your legal fees if you are sued.

State laws typically mandate standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is required in some states and optional in others. This insurance can also cover lost wages, service replacement and funeral expenses. State law typically 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. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the right amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers.

Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of 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 support of your insurance agency, choose the option that best suits you. Life Insurance 45069