Each year, more cars and drivers travel the highways. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. No matter where you live, you will need to buy some variety of auto insurance. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are sued, this type of insurance can pay for your defense and court costs. State laws typically mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy is purchased, the insured person will receive payment for reasonable medical or funeral costs. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of car insurance, like car rental, are also available. Home Insurance Cary