auto insurance Mountain Top PA Every year, more cars and drivers are on the highways. With so many vehicles on the road, crashes will happen. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you require and where you should go to buy it? Required coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the collision. It is required in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage has been purchased, the insured person will receive payment for all types of medical or funeral expenses. Collision: This pays for damage to your car caused by an accident. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other kinds of car insurance, like emergency road service, can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you drive * Your driving record * Your age, sex and marital status * Where you live Don?t wait around to buy auto insurance; you should never be on the road without it. Review your needs, do your research , and with the help of your insurance agency, choose the option that best suits you.