Each year, more drivers hit the highways. This could lead to a higher possibility of a car accident for you and your family. If you get in a car accident, the car insurance you own can make a big difference in what happens next. But why do you need insurance and just how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. 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: It pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. It also covers your defense and court costs if you are sued. Local laws usually require minimum amounts of liability insurance, but larger amounts are available and usually recommended. 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. This insurance can also cover lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by local government. 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. If you purchase this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Mortgage Loans Breese