The number of drivers on the road increases each and every year. As this number increases, the possibility of accidents also increases. Automobile insurance can make the difference between a minor setback and a large hassle. But why do you need to own insurance and exactly how much should you buy? Car insurance protects you by covering the cost of injury or damage you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from an accidents, and specific other occurrences, such as theft. No matter where you are living, you are required to purchase some type of car insurance. Without insurance, you risk having to pay the full cost of the harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance takes care of all non-collision damages. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance coverage. Other types of coverage, like car rental, can also be purchased. Insurance Agency 32217