home insurance Winder GA We see more drivers on the road each year. This could lead to an increased likelihood of a collision. If you get in a car crash, the auto insurance you have can make a big difference in the experience you have. How can you determine what insurance you require and how to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: This pays for damages to your car caused by a collision. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Other kinds of car insurance, like car rental, are also available.