Each year, more automobiles and drivers hit the roads. As this number goes up, the chances of a car wreck will also increase. The difference between a small aggravation and major pain can be the car insurance you own. But why do you need insurance and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Every state or province requires auto insurance by law. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your legal fees if you are sued. Local laws usually mandate minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, regardless of who was responsible for the crash. It is commonly called no-fault coverage. This insurance can also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for an accident. This insurance will pay for all insured person’s reasonable medical or funeral expenses resulting from an accident. Collision: This pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other kinds of coverage, like emergency road service and car rental, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: * Which policies you select * The make and model of the car you own * Your driving record * Your age, sex and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Amboy IL