Each year, more cars hit America's roads. With the increasing number of vehicles on the road, crashes will happen. If you get in a car crash, the auto insurance you own can make a big difference in what happens next. But why do you need insurance and exactly how much should you purchase? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Car insurance is required by law in all states and provinces. By not owning insurance, you run the risk of having to pay the full price of the harm or injury you cause others. Liability: This type of insurance can pay for the damage that you have caused. These damages might include bodily injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are sued, liability insurance will pay for your defense and court costs. Recommended, higher levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. It may also pay for lost earnings, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, like emergency road service, are also available. Car Insurance Groveland
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