Each year, more cars travel America's roads. As this number goes up, the possibility of accidents also goes up.

If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. How can you decide what insurance you require and how to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. If you are in legal trouble, this type of insurance can pay for your court costs.

Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. This insurance can also cover lost wages, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. 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: This kind of insurance covers any damages not caused by a collision. This could include fire damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the proper amount of auto insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance coverage.

Other types of car insurance, such as emergency road service and car rental, are also available. Insurance Companies Batavia IL