Each year, more cars and drivers are on the highways. With countless vehicles on the road, accidents can happen. Automobile insurance can make the difference between a minor inconvenience and a large trial. How can you determine what insurance you need and where you should go to buy it? Car accidents can result in many different expenses, which your insurance can pay for based on the type of coverage you have purchased.

Without insurance, you risk having to pay the full price of the harm you cause others. Liability: This kind of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, it also pays your court costs.

Recommended, more comprehensive levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: 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 cost of the damages.

Other types of coverage, such as emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many drivers may not want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. Car Insurance New Rochelle