commercial insurance Brighton MI You will see more and more cars on 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 inconvenience and a major hassle. How can you determine what type of insurance you need and where you should go to buy it? Coverage requirements will differ by state/province, but usually include the following: Liability: Liability pays for expenses due to personal injury and property damage to others where you are responsible. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are sued, this type of insurance can pay for your legal fees. State laws usually require standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the collision. It is occasionally referred to as no-fault coverage. It can also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person’s necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by a collision. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include flood damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without owning the proper amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other types of coverage, like car rental, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you choose * The make and model of the car you drive * Your driving record * Your age, gender and marital status * Where you live Don’t procrastinate buying car insurance; you shouldn’t be on the road without it. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you.