Car Insurance Fresno You will see more drivers on the road every year. As this number increases, the possibility of accidents also increases. Car insurance can be the difference between a small inconvenience and a large hassle. So how do you know what type of car insurance you need and how much to purchase? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may have been at fault. It pays for all insured person’s reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance covers any non-collision damages. This could include flood damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the right amount of auto insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased.