There are more cars and drivers hitting the road each year. This can lead to a higher possibility of a collision for you and your family. If you get in a car wreck, the auto insurance you own can make a large difference in how much you have to pay. So how do you know which type of insurance you need and how much you should buy? Mandated coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but larger amounts are available and usually recommended. 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this insurance coverage. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to cover the total cost of the damages. Other kinds of coverage, like emergency road service and car rental, can also be purchased. Home Insurance TulsaThis entry was posted in Home Insurance. Bookmark the permalink.