Insurance Bridge City LA The amount of cars and drivers on the road increases every year. As this number increases, the possibility of accidents also increases. The difference between a little bother and major obstacle can be your insurance. So how do you know which type of insurance you need and how much to buy? Car accidents can lead to a variety of different expenses, which your car insurance might be able to pay for based on the type of insurance you have purchased. Auto insurance is mandated by state law. By not purchasing insurance, you risk having to pay the total price of the harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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. It can also pay for lost wages, service replacement and funeral expenses. Local law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Other policies, like emergency road service, are also available.