The amount of cars on the road increases every year. As this number goes up, the chances of a car accident will also go up. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. But why do you need insurance and just how much should you purchase? Car accidents can result in a variety of different expenses, which can all be paid for based on the type of insurance you own. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Local laws usually mandate minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is required 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. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. It pays for all insured person’s necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without having the proper amount of car insurance. This insurance will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * Where you live Don’t procrastinate buying car insurance; you shouldn’t be on the road without it. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Commercial Insurance 32218
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