auto insurance Marysville KS The number of cars and drivers on the road increases each and every year. With countless vehicles on the road, crashes will happen. The difference between a small bother and large obstacle can be your insurance. So how can you figure out which type of insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It can also cover your legal fees if you are sued. Local laws typically mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have enough liability insurance to pay for the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased.