car insurance Cheney WA We see more and more cars on the road each year. This could lead to a higher possibility of a collision. The difference between a small bother and large obstacle can be the car insurance you have purchased. So how do you know what type of car insurance you need and how much to buy? Required coverage varies by state/province but usually includes the following: Liability: Pays for damages due to personal injury and property damage to others that you have caused. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, liability insurance will pay for your court costs. State laws usually require standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the accident. It is occasionally referred to as no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can’t pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of coverage, including car rental, can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * Which policies you select * The type of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Some people think they can get by without car insurance, but it is honestly something you don’t want to live without. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you.