insurance Bonaire GA There are more drivers on the road each year. With so many vehicles on the road, crashes can happen. If you get in a car crash, the auto insurance you have can make a large difference in what happens next. So how can you figure out which type of insurance you need and how much you should buy? Auto insurance protects you by covering the cost of damage caused to your car or someone else’s car and injury to others, yourself, or your passengers, plus specific other situations, such as theft. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, this type of insurance can pay for your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. 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. It may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. This insurance will pay for an insured person’s reasonable and necessary medical and funeral expenses resulting from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, like emergency road service, can also be purchased.