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insurance agency Pikeville TN The number of drivers on the road increases each year. This could lead to a higher possibility of a car accident for you and your family. The difference between a little aggravation and major obstacle can be the car insurance you have purchased. How can you decide what insurance you need and how to buy it? Car accidents can result in many different expenses, which can all be paid for based on the insurance policy you have purchased. Every state and province mandates automobile insurance by law. Electing to drive without insurance could cause you 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 the expenses you have caused to others in a car accident, including injury and property damage. If you are sued, this type of insurance can pay for your legal fees. Local laws typically mandate standard amounts, but higher amounts are available and very beneficial. 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. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Other kinds of car insurance, like emergency road service and car rental, are also available.