There are more cars and drivers hitting the road every year. With the increasing number of 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 what happens next. How can you determine what insurance you require and how you can purchase it? Required coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are sued, it also pays your legal fees. State laws typically require standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is required 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 cover lost wages, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance coverage. Other types of coverage, such as emergency road service, are also available. Renters Insurance Cary