insurance company Comstock Park MI There are more cars and drivers on the road each year. As this number goes up, the possibility of accidents also goes up. Car insurance can make the difference between a minor inconvenience and a major hassle. So how can you find out what insurance you need and how much to buy? Car insurance protects you by paying for damage caused to your car or someone else’s car and injury to other people, yourself, or your passengers, plus specific other occurrences, such as robbery. By not purchasing insurance, you run the risk of having to pay the full price of the harm or injury you cause others. Liability: This type of insurance 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, and lost wages. Property damage can refer to damaged property or loss of use of property. It can also cover your legal fees if you are sued. State laws usually mandate standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is commonly called no-fault coverage. This insurance can also pay for lost earnings, replacement of services and funeral expenses. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this type of coverage has been bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include fire damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can’t pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, such as emergency road service and car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: * Which policies you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many drivers may not want to pay for car insurance, but it is truly something you don’t want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you.