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There are more drivers on the road every year. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a minor setback and a large trial. How can you decide what type of insurance you need and where you should go to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for damages due to bodily injury and property damage to others that you are responsible for. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, liability insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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 may also pay for lost earnings, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy is bought, the insured person will receive payment for all types of medical or funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other types of coverage, such as emergency road service, 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 Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Life Insurance 20772

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