Every year, more cars hit the highways. As this number increases, the possibility of accidents also increases.

The difference between a small aggravation and major obstacle can be the car insurance you have purchased. How can you decide what insurance you need and how to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees.

Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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 law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have the right amount of insurance to pay for the total amount of the damages.

Emergency road service, car rental, and other varieties of coverage can also be purchased. auto insurance Verona WI