Auto Insurance Harker Heights TX You will see more cars on the road every year. With so many vehicles on the road, crashes can happen. Car insurance can be the difference between a small inconvenience and a large trial. How can you decide what insurance you need and where you should go to buy it? Car crashes can result in many different expenses, which your car insurance might be able to pay for based on the type of insurance you own. By not purchasing insurance, you run the risk of having to pay the full price of any harm you cause others. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. It also covers your legal fees if you are sued. State laws typically mandate standard amounts, but higher amounts can be purchased and are usually recommended. 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. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person’s necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased.