insurance agency Fort Mitchell KY There are more cars and drivers hitting the road each year. This could lead to a higher possibility of a collision. Car insurance can be the difference between a minor setback and a large trial. So how do you know what type of car insurance you need and the quantity you should buy? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Automobile insurance is mandated by law in all states and provinces. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property or loss of use of property. It also covers your defense and court costs if you are sued. State laws usually require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This 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. It may also pay for lost earnings, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. If this policy has been purchased, the insured person will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident 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 supposed to take care of. This type of insurance protects you in accidents involving those drivers. Other types of coverage, like car rental and emergency road service, are also available.