The number of cars on the road increases every year. This can lead to an increased likelihood of a car accident for you and your family. Automobile insurance can be the difference between a small setback and a major trial. How can you determine what insurance you require and how you can purchase it? Insurance requirements will differ by state/province, but usually include the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your defense and court costs if you are sued. Local laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance covers any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Commercial Insurance 33525