car insurance Columbus TX There are more cars on the road every year. With countless vehicles on the road, crashes will happen. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how can you find out what insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. No matter where you are living, you will need to buy some type of auto insurance. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. It can also cover your defense and court costs if you are sued. State laws typically require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the collision. It is sometimes called no-fault coverage. State government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the right amount of insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can?t cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased.