The amount of drivers on the road increases each and every year. This can lead to a higher possibility of a collision for you and your family. The difference between a small aggravation and major pain can be your insurance. How can you determine what insurance you require and how you can purchase it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It also covers your legal fees if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and very beneficial. 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. It may also cover lost earnings, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who carries responsibility for an accident. This insurance will pay for an insured person’s reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. This type of insurance protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * The place where you live Many people may not want to pay for car insurance, but it is truly something you don’t want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Homeowners Insurance Vero Beach FL