The amount of cars on the road increases each year. With so many vehicles on the road, crashes can happen. The difference between a little aggravation and large obstacle can be automobile insurance. But why do you need to own insurance and just how much should you purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. It also covers your legal fees if you are sued. State laws typically require standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for necessary medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: 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 owning the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against people driving without enough insurance protection. Other kinds of coverage, including car rental, are also available. Auto Insurance 32164
