insurance company Bad Axe MI Every year, more cars and drivers hit our roads and freeways. This could lead to a higher possibility of a collision for you and your family. The difference between a small bother and major pain can be the car insurance you own. But why do you need insurance and just how much should you purchase? Car insurance provides you with protection from covering the cost of damage caused to your car or another person’s car and injury to others, yourself, or passengers in your car, and specific other situations, such as burglary. Every state or province mandates auto insurance by law. Electing 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: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. It is mandated in some states and optional in others. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may have been at fault. This insurance will pay for an insured person’s necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage. Other policies, such as car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many drivers may not want to pay for car insurance, but it is truly something you don’t want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that fits you best.