The amount of drivers on the road increases every year. As this number increases, the chances of a car wreck will also go up. If you get in a car wreck, the car insurance you have can make a large difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, liability insurance can pay for your legal fees. Local laws usually mandate minimum amounts, but higher amounts can be purchased and are very beneficial. 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. This insurance may also cover lost wages, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person’s necessary medical and funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of insurance. This can include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other kinds of car insurance, such as car rental, are also available. Insurance Agency 33175