home insurance Hamilton AL You will see more cars on the road every year. As this number goes up, the possibility of accidents also goes up. The difference between a small bother and major pain can be car insurance. But why is insurance required by law and just how much should you buy? Insurance requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is bought, the insured person will receive payment for necessary medical and funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving without having the proper amount of insurance. This type of coverage will cover you if you are in an accident with one of these 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 pay for the full amount of the damages. Other types of coverage, including emergency road service and car rental, can also be purchased.