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Newport Beach Car Insurance Each year, more drivers hit America’s roads. As this number increases, the possibility of accidents also increases. The difference between a little bother and large obstacle can be your car insurance. But why do you need to own insurance and just how much should you buy? Car crashes can lead to many different expenses, which can all be paid for based on the insurance policy you own. Every state and province requires automobile insurance by law. Deciding to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are sued, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated insurance. 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. This insurance can also pay for lost wages, replacement of services and funeral costs. Local government typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a crash. If this policy has been bought, the insured person will receive coverage for necessary medical and funeral costs. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when someone with insurance is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle’s make and model * Your driving record * Your age, gender and marital status * The place where you live Don’t procrastinate buying car insurance; you shouldn’t drive a car without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best.