insurance Plainwell MI The amount of cars and drivers on the road increases each year. This could lead to a higher possibility of a car accident for you and your family. The difference between a small bother and major pain can be automobile insurance. But why do you need to own insurance and just how much should you purchase? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. By not purchasing insurance, you risk having to pay the total cost of any harm you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. Bodily injury damages 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 sued, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This 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. It can also pay for lost earnings, replacement of services and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a collision. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance covers all non-collision damages. This could include fire damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle’s make and model * Your driving record * Your age, gender and marital status * Where you live Don’t procrastinate buying auto insurance; you shouldn’t be on the road without it. Review your needs, research your options, and with the help of your insurance agent, choose the option that best suits you.