insurance Eaton OH There are more drivers hitting the road each year. This could lead to an increased likelihood of a collision. The difference between a small bother and major pain can be your insurance. How can you determine what insurance you need and how to buy it? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage can refer to damaged property or loss of property use. If you are sued, this type of insurance can pay for your defense and court costs. Recommended, higher levels of insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. Local government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of auto insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased.