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Every year, more drivers travel the highways. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a minor setback and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Auto insurance provides you with protection from paying for damage caused to your vehicle or another person’s vehicle and injury to others, yourself, or your passengers, and certain other occurrences, such as robbery. Every state and province requires automobile insurance by law. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Liability pays for damages due to personal injury and property damage to others when you are responsible. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was at fault in the collision. It is commonly referred to as no-fault coverage. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance covers all non-collision damages. This could include fire damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for damages 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 amount of the damages. Other policies, such as emergency road service, are also available. Motorcycle Insurance 30813