insurance Grand Haven MI Every year, more drivers travel America’s roads. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the car insurance you have can make a large difference in what happens next. So how do you know what insurance you need and how much you should buy? 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 requires some type of car insurance. By not purchasing insurance, you risk having to pay the full cost of any harm or injury you cause others. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person’s reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance protection takes care of any non-collision damages. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased.