The number of cars and drivers on the road increases every year. With countless vehicles on the road, crashes are going to happen.

Car insurance can be the difference between a minor setback and a major hassle. But why do you need insurance and just how much should you purchase? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are sued, this type of insurance can pay for your court costs.

Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. 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. State law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers.

Other types of coverage, such as emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Auto Insurance Yale MI