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state farm insurance Warren MI There are more cars hitting the road every year. With countless vehicles on the road, crashes can happen. Car insurance can be the difference between a minor setback and a large trial. But why do you need insurance and exactly how much should you buy? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are sued, it also pays your court costs. Recommended, higher levels of liability insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral costs. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may have been at fault. If you buy this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without enough insurance coverage. Other kinds of coverage, like car rental, can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best.