Every year, more automobiles and drivers hit the highways. This could lead to a higher possibility of a car accident. Automobile insurance can make the difference between a small setback and a large hassle. But why do you need insurance and just how much do you need? Car insurance protects you by paying for damage caused to your car or another person’s car and injury to other people, yourself, or passengers in your car, and certain other incidents, such as robbery. Every state and 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 any damage for which you might be responsible. Liability: Pays for expenses due to bodily injury and damage to property that you are responsible for. If you are sued, it also pays your court costs. State laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was at fault in the crash. It is mandated in some states and optional in others. This insurance can also pay for lost earnings, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Other types of coverage, including car rental and emergency road service, are also available. Auto Insurance Tuscaloosa
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