commercial insurance Brookings SD There are more cars hitting the road every year. With countless vehicles on the road, accidents can happen. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Auto insurance protects you by paying for damage caused to your car or another person’s car and injury to others, yourself, or your passengers, and certain other situations, such as robbery. Every state and province mandates car insurance by law. By not purchasing insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: This pays for damages when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to cover the full cost of the damages. Other kinds of coverage, such as car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, including: * Which policies you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don’t wait around to buy car insurance; you shouldn’t drive a car without it. Review your needs, research your options, and with the support of your insurance agency, choose the option that best suits you.