Each year, more cars hit our roads and freeways. With so many vehicles on the road, crashes are going to happen. The difference between a small bother and major obstacle can be the car insurance you have purchased. So how can you figure out which type of insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Without insurance, you risk having to pay the full price of the harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: It pays for the expenses you are responsible for in a car accident, including injury and property damage. If you are in legal trouble, this type of insurance will pay for your defense and court costs. Local laws usually mandate minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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 cover lost wages, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for all insured person’s reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other kinds of coverage, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * The place where you live Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Home Insurance Cary