There are more cars hitting the road each year. With countless vehicles on the road, crashes can happen. Automobile insurance can make the difference between a minor inconvenience and a large trial. How can you decide what insurance you require and how you can purchase it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Liability pays for damages due to personal injury and damage to property that you have caused. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the crash. It is occasionally called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. 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. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person 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 protects you in accidents involving those drivers. Other kinds of coverage, such as emergency road service, can also be purchased.
