home insurance Metairie LA Each year, more cars and drivers are on the roads. This can lead to an increased likelihood of a collision. The difference between a small bother and major pain can be automobile insurance. How can you decide what insurance you need and how to buy it? Car crashes can result in many different expenses, which your car insurance can pay for based on the insurance policy you have purchased. By not purchasing insurance, you run the risk of having to pay the full price of the harm you cause others. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. It also covers your defense and court costs if you are sued. Local laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was at fault in the accident. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This may include hail damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without sufficient insurance coverage. Other types of coverage, such as car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: * Which policies you select * The type of the car you drive * Your driving record * Your age, gender and marital status * Where you live Some people think they can get by without auto insurance, but it is truly something you don’t want to live without. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you.