There are more drivers hitting the road every year. As this number goes up, the chances of a car accident will also go up. Car insurance can be the difference between a small setback and a large trial. So how do you know what insurance you need and how much you should buy? Insurance requirements will differ by state/province, but typically include the following: Liability: Liability pays for expenses due to bodily injury and damage to property that you are responsible for. If you are in legal trouble, it also pays your legal fees. State laws typically require minimum amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the collision. It is commonly called no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person’s necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to cover the total cost of the damages. Other policies, such as car rental, are also available. Mortgage Loans Refinance Breese