auto insurance Cumming GA The number of drivers on the road increases every year. With so many vehicles on the road, crashes are going to happen. Car insurance can make the difference between a small setback and a large hassle. But why do you need to own insurance and just how much should you purchase? Car insurance protects you by paying for damage caused to your car or another person’s car and injury to others, yourself, or your passengers, plus specific other situations, such as theft. By not owning insurance, you risk having to pay the total price of the harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Pays for expenses due to bodily injury and property damage to others that you have caused. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, this type of insurance can pay for your court costs. Recommended, higher levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, no matter who was responsible for the accident. It is required in some states and optional in others. This insurance can also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for an accident. If you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased.