We see more and more drivers on the road each year. As this number increases, the chances of a car collision will also increase. If you get in a car accident, the car insurance you have can make a big difference in how much you have to pay. How can you determine what type of insurance you need and how to buy it? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you own.

Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. If you are in legal trouble, liability insurance can pay for your legal fees.

State laws usually mandate standard amounts of liability insurance, but higher 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. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. This insurance will pay for all insured person's necessary medical or funeral expenses resulting from an accident. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers.

Emergency road service, car rental, and other types of coverage can also be purchased. Auto Insurance Liberty