insurance company Sedalia MO Every year, more cars and drivers hit America’s roads. This can lead to an increased likelihood of a car accident for you and your family. The difference between a little bother and large pain can be the car insurance you have purchased. How can you decide what insurance you need and how to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Your state or province definitely mandates some type of auto insurance. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, liability insurance can pay for your defense and court costs. Local laws usually require standard amounts, but larger amounts can be purchased and are usually recommended. 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 can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased.