The number of drivers on the road increases each year. This could lead to a higher possibility of a collision for you and your family. The difference between a little aggravation and large obstacle can be your car insurance. How can you decide what insurance you require and how to buy it? Insurance requirements vary by state/province, but typically include the following: 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, and lost wages. Property damage includes car repair costs and loss of property use. If you are sued, liability insurance will pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may have been at fault. This insurance will pay for an insured person’s reasonable medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that can’t pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other policies, including car rental, are also available. Homeowners Insurance Elyria OH