Home Insurance Allouez You will see more cars on the road each year. With countless vehicles on the road, accidents can happen. If you get in a car accident, the auto insurance you have can make a large difference in the experience you have. How can you decide what insurance you require and where you should go to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. 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 paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can’t cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased.