Every year, more automobiles and drivers hit the highways. With countless vehicles on the road, accidents can happen. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. So how do you know what type of car insurance you need and how much to buy? Car insurance protects you by covering the cost of injury or damage you cause others while you are driving, damage to your car or personal injury or injury to your passengers from an accidents, plus certain other occurrences, such as robbery.

Without insurance, you risk having to pay the full cost of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for expenses due to personal injury and property damage to others that you have caused. If you are sued, liability insurance will pay for your legal fees.

Local laws typically mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive payment for reasonable medical and funeral costs. Collision: This pays for damages to your car caused by a collision. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to 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 coverage can also be purchased. car insurance 53228