Insurance Columbus OH There are more cars on the road each year. With countless vehicles on the road, accidents will happen. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. But why do you need to own insurance and exactly how much should you buy? Car insurance provides you with protection from paying for damage or injury you inflict on others while you are driving, damage to your car or injury to you or your passengers from a crash, and specific other incidents, such as burglary. Every state or province mandates auto insurance by law. By not owning insurance, you run the risk of having to pay the total cost of the harm or injury you cause others. Liability: Liability pays for damages due to bodily injury and property damage to others that you are responsible for. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, liability insurance will pay for your legal fees. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. It pays for an insured person’s necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damages to your car caused by a collision. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best.