Every year, more drivers travel America’s roads. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a small inconvenience and a large trial. So how do you know what insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of insurance are available that cover more than the lower, state-mandated varieties. 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 mandated in some states and optional in others. This insurance may also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without enough insurance protection. Other kinds of coverage, including emergency road service and car rental, can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you select * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Car Insurance Thibodaux