home insurance Raytown MO There are more cars on the road every year. With the increasing number of vehicles on the road, accidents can happen. Automobile insurance can be the difference between a minor setback and a large trial. So how do you know what insurance you need and the quantity you should purchase? Insurance requirements will differ by state/province, but usually include the following: Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are sued, this type of insurance can pay for your court costs. Local laws usually mandate minimum 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. This insurance may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that can’t cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other policies, like emergency road service, are also available.