homeowners insurance Chester VA Every year, more cars travel the highways. With countless vehicles on the road, crashes are going to 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 do you know what insurance you need and how much you should buy? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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 cover lost earnings, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the proper amount of auto insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased.