auto insurance Macomb IL Every year, more cars hit our roads and freeways. This can lead to an increased likelihood of a collision for you and your family. If you get in a car crash, the auto insurance you own can make a big difference in what happens next. So how do you know what insurance you need and how much you should buy? Car crashes can lead to many different expenses, which your insurance can pay for based on the type of coverage you have purchased. No matter where you are living, you are required to buy some variety of auto insurance. By not owning insurance, you risk having to pay the full cost of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes 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 events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was at fault in the crash. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. It pays for an insured person’s reasonable medical and funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include fire damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other policies, such as car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you.