Every year, more cars and drivers travel America's roads. As this number goes up, the possibility of accidents also goes up.

The difference between a little aggravation and large pain can be car insurance. So how do you know what insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages might include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. It also covers your legal fees if you are sued.

State laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is mandated 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 may also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the right amount of car insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages.

Other types of coverage, like car rental, are also available. Your auto insurance payments varies based on the 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, gender and marital status * The place where you live Some drivers may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. business insurance park hill co