state farm insurance Cairo GA You will see more cars on the road each year. This could lead to an increased likelihood of a car accident. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. So how do you know what type of car insurance you need and the quantity you should purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Automobile insurance is required by state law. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: It pays for the expenses you have caused to others in a car collision, including property damage and injury. It also covers your legal fees if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This is required 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. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person’s reasonable medical and funeral expenses resulting from an accident. Collision: This pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without enough insurance coverage. Other types of car insurance, including car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have come to think of car insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you.