State Farm McDonough GA Each year, more cars hit our roads and freeways. This could lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the car insurance you own can make a large difference in what happens next. How can you decide what insurance you require and how you can purchase it? Required coverage varies by state/province but typically includes the following: Liability: Liability pays for expenses due to personal injury and damage to property that you have caused. Damages from bodily injury can 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. Recommended, higher levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. It pays for all insured person’s reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Applies if your vehicle 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 having the proper amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can’t cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other kinds of car insurance, including emergency road service and car rental, can also be purchased. Your car 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, sex and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you.