There are more cars and drivers on the road each year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. So how can you figure out which type of insurance you need and how much you should buy? Car crashes can result in a variety of different expenses, which your car insurance might be able to pay for based on the type of coverage you have purchased. Without insurance, you risk having to pay the full price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. It may also pay for lost earnings, replacement of services and funeral expenses. Local law typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance takes care of all non-collision damages. This may include weather damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the proper amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance coverage. Other kinds of coverage, including emergency road service, can also be purchased. Your auto insurance payments vary 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 Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. Renters Insurance 89149