The amount of drivers on the road increases each year. As this number increases, the possibility of accidents also increases. Automobile insurance can make the difference between a minor inconvenience and a large trial. How can you decide what insurance you need and how you can purchase it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. 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. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of liability insurance can be purchased that cover more events 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 can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person’s reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be covered under this kind of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of auto insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue you from a financial disaster. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you. Car Insurance 61021