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insurance company Concord Twp OH We see more and more cars on the road every year. This could lead to a higher possibility of a car accident. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. So how can you find out what type of car insurance you need and how much to purchase? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Your state or province certainly mandates some type of auto insurance. By not owning insurance, you risk having to pay the total price of any harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. If you are sued, it also pays your legal fees. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance can also pay for lost wages, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person’s necessary medical or funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be covered under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased.