Car Insurance Lake Elmo MN Each year, more automobiles and drivers travel the roads. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you have can make a large difference in the experience you have. So how do you know what type of car insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. It also covers your legal fees if you are sued. Local laws typically mandate standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the collision. It is required in some states and optional in others. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of all non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by 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 * The place where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial dilemma. Review your needs, do your research , and with the support of your insurance agent, make the decision that best suits you.