auto insurance Peoria IL Each year, more cars and drivers hit the highways. With the increasing number of vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and the quantity you should buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is mandated in some states and optional in others. This insurance may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance covers any damages not caused by a collision. This may include flood damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the proper amount of car insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can’t cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other types of coverage, like car rental, are also available.