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There are more drivers on the road every year. With so many vehicles on the road, accidents are going to happen. The difference between a little bother and large obstacle can be the car insurance you have purchased. But why do you need insurance and just how much should you buy? Required coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are sued, liability insurance can pay for your defense and court costs. Local laws typically require minimum amounts, but larger amounts can be purchased and are 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, regardless of who was responsible for the crash. It is required in some states and optional in others. It may also pay for lost wages, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. It pays for all insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased.
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