Auto Insurance Gillette WY You will see more and more drivers on the road every year. As this number increases, the chances of a car collision will also increase. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. So how do you know what insurance you need and how much to purchase? Car insurance provides you with protection from paying for damage caused to your vehicle or someone else’s vehicle and injury to others, yourself, or your passengers, plus specific other situations, such as robbery. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and 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 may include personal injury, and property damage. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, it also pays your legal fees. State laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available 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 medical and funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance protection takes care of all damages not caused by a collision. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased.