state farm insurance Fort Mitchell KY Each year, more cars and drivers are on the roads. This can lead to an increased likelihood of a car accident. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. So how can you find out what type of car insurance you need and the quantity you should purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Local laws typically require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the accident. It is required in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for an insured person’s necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don’t procrastinate buying car insurance; you shouldn’t drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you.