insurance Deckerville MI Every year, more automobiles and drivers are on the roads. As this number goes up, the possibility of accidents also goes up. The difference between a small aggravation and large pain can be the car insurance you have purchased. How can you decide what insurance you require and where you should go to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car collision, including property damage and injury. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated 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. This insurance can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who carries responsibility for a crash. If you buy this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of auto insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance protection. Other kinds of coverage, including emergency road service, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle’s make and model * Your driving record * Your age, sex and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agency, choose the option that fits you best.