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motorcycle insurance Bartonville IL There are more drivers hitting the road each year. As this number increases, the chances of a car accident will also increase. Automobile insurance can be the difference between a minor inconvenience and a large hassle. So how can you find out what insurance you need and the quantity you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Pays for expenses due to bodily injury and property damage to others that you have caused. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. It also covers your defense and court costs if you are sued. Local laws usually require standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was at fault in the crash. It is required in some states and optional in others. Local law usually 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 all insured person’s reasonable medical and funeral expenses for bodily injury from an accident. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance takes care of any non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the right amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can’t pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of coverage, like emergency road service, are also available.