car insurance Kirkwood MO There are more cars and drivers hitting the road every year. With countless vehicles on the road, accidents can happen. If you get in a car wreck, the car insurance you have can make a big difference in the experience you have. How can you determine what type of insurance you need and where you should go to buy it? Car accidents can result in a variety of different expenses, which your car insurance can pay for based on the type of insurance you have purchased. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the crash. It is occasionally referred to as no-fault coverage. It may also pay for lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person’s reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don’t wait around to buy car insurance; you shouldn’t be on the road without it. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that best suits you.