homeowners insurance Marksville LA You will see more and more drivers on the road every year. With countless vehicles on the road, crashes can happen. Car insurance can be the difference between a minor setback and a major hassle. But why is insurance important and just how much do you need? Car insurance provides you with protection from covering the cost of damage caused to your vehicle or another person’s vehicle and injury to others, yourself, or your passengers, plus certain other situations, such as theft. Making the decision to drive without owning 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: It pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, this type of insurance will pay for your legal fees. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated insurance. 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. State government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may be responsible. This insurance will pay for an insured person’s necessary medical and funeral expenses resulting from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning 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: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other types of coverage, including emergency road service and car rental, can also be purchased.