insurance company Fond Du Lac WI We see more drivers on the road each year. As this number increases, the chances of a car accident will also increase. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. But why is insurance necessary and just how much should you get? Coverage requirements will differ by state/province, but typically include the following: Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance can also pay for lost wages, replacement of services and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection covers all non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Other policies, like car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * Which policies you select * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agency, choose the option that best suits you.