car insurance Virginia Beach VA There are more cars and drivers hitting the road each year. This can lead to a higher possibility of a car accident for you and your family. The difference between a little bother and major pain can be your car insurance. How can you determine what insurance you require and how you can purchase it? Car crashes can result in a variety of different expenses, which can all be paid for based on the type of insurance you have purchased. Auto insurance is mandated by state law. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. If you are sued, it also pays your defense and court costs. State laws typically require standard amounts of liability insurance, but larger amounts are available and very beneficial. 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. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the right amount of insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the total amount of the damages. Other policies, including car rental and emergency road service, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some drivers may not want to pay for car insurance, but it is truly something you don’t want to live without. Review your needs, research your options, and with the help of your insurance agent, make the decision that fits you best.