insurance agency Theodore AL The amount of cars on the road increases each and every year. With countless vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and how much to buy? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. No matter where you live, you will need to buy some variety of car insurance. Without insurance, you run the risk of having to pay the total cost of any harm or injury you cause others. Liability: Pays for expenses due to personal injury and property damage to others when you are responsible. If you are sued, it also pays your legal fees. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person’s reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased.