Every year, more cars travel our roads and freeways. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you have can make a large difference in what happens next. How can you determine what insurance you need and how to buy it? Auto insurance protects you by covering the cost of damage or injury you cause others while driving your car, damage to your vehicle or personal injury or injury to your passengers from an accidents, and specific other situations, such as burglary. Every state and province requires automobile insurance by law. By not owning insurance, you run the risk of having to pay the full price of the harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, liability insurance will pay for your court costs. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person’s reasonable medical and funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Home Insurance Durham