home insurance Athens GA Each year, more cars and drivers travel the highways. As this number increases, the chances of a car accident will also increase. Car insurance can be the difference between a minor setback and a large hassle. So how can you find out what type of car insurance you need and how much to buy? Coverage requirements will differ by state/province, but usually include the following: Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It can also cover your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is sometimes referred to as no-fault coverage. This insurance can also pay for lost earnings, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may be responsible. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don’t wait around to buy car insurance; you shouldn’t be on the road without it. Review your needs, research your options, and with the help of your insurance agency, make the decision that best suits you.