There are more cars and drivers hitting the road each year. This could lead to an increased likelihood of a collision. The difference between a small bother and large obstacle can be your car insurance. How can you determine what type of insurance you need and where you should go to buy it? 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 liability insurance. It can also cover your defense and court costs if you are sued. Local laws typically mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the accident. It is sometimes referred to as no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral expenses. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. This insurance will pay for an insured person’s reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by another person who does not have enough liability insurance to cover the total amount of the damages. Other kinds of car insurance, like car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: *Your desired coverage *Your vehicle’s make and model * Your driving record * Your age, gender and marital status * Where you live Don’t procrastinate buying auto insurance; you shouldn’t be on the road without it. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you. Life Insurance Paris TX