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renters insurance Gordon GA Every year, more cars and drivers travel the roads. With countless vehicles on the road, crashes will happen. Automobile insurance can make the difference between a minor inconvenience and a large trial. But why do you need insurance and just how much do you need? Insurance requirements will differ by state/province, but usually include the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. 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. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other policies, including car rental and emergency road service, are also available.