Each year, more drivers hit America’s roads. With the increasing number of vehicles on the road, accidents are going to happen. Automobile insurance can be the difference between a minor setback and a large hassle. But why do you need to own insurance and just how much should you purchase? Car accidents can lead to a variety of different expenses, which your car insurance might be able to pay for based on the type of insurance you have purchased. No matter where you are living, you are required to purchase some variety of auto insurance. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, liability insurance can pay for your legal fees. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance 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. It may also cover lost earnings, replacement of services and funeral costs. Local law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include hail damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status * Where you live Don’t wait around to buy auto insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. Auto Insurance 60641