auto insurance Commerce Township MI We see more drivers on the road every year. This could lead to a higher possibility of a collision. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. So how do you know what insurance you need and how much to buy? Your car 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 purchase some type of auto insurance. Without insurance, you run the risk of having to pay the full price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This type of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was at fault in the collision. It is required in some states and optional in others. It can also cover lost earnings, replacement of services and funeral expenses. State government typically sets minimum amounts. 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. If this type of coverage is purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: This pays for damages to your car caused by a collision. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include weather damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of coverage, including car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you.