You will see more and more cars on the road each year. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the auto insurance you have can make a big difference in the experience you have. But why is insurance necessary and just how much should you get? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts of liability insurance, but higher 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. This insurance can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the right amount of insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other types of coverage, including car rental, can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you select * The type of the car you own * Your driving record * Your age, sex and marital status * Where you live Don’t wait around to buy auto insurance; you shouldn’t drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Insurance Apex