There are more cars and drivers hitting the road every year. This could lead to a higher possibility of a car accident. The difference between a small bother and major pain can be your car insurance. How can you decide what type of insurance you require and how to buy it? Car accidents can result in many different expenses, which your insurance might be able to pay for based on the type of coverage you have purchased. By not owning insurance, you run the risk of having to pay the full price of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen.

Liability: This type of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance.

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. It may also cover lost earnings, replacement of services and funeral costs. State government usually sets minimum amounts.

Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance coverage.

Collision: Pays for damages to your vehicle caused by an accident.

Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from burglary, vandalism, and weather damage.

Uninsured Motorist: Thousands of drivers are ignoring the law by driving without purchasing the proper amount of insurance. This insurance will cover you if you are in a collision with one of these drivers.

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 protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: * Which policies you choose * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best.