Every year, more cars and drivers travel the highways. With countless vehicles on the road, crashes will happen. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and the quantity you should purchase? Coverage requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, this type of insurance can pay for your defense and court costs.

Local laws usually mandate standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is occasionally called no-fault coverage. Local government usually 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. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages.

Other kinds of coverage, including emergency road service, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: * Which policies you choose * The type of the car you own * Your driving record * Your age, sex and marital status * The place where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. Insurance Bloomfield Hills MI