auto insurance Upper Marlboro MD There are more cars hitting the road each year. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and large pain can be car insurance. But why is insurance important and just how much do you need? Auto insurance protects you by paying for injury or damage you cause others while driving your car, damage to your car or personal injury or injury to your passengers from an accidents, plus specific other occurrences, such as theft. Without insurance, you run the risk of having to pay the total cost of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. It can also cover your legal fees if you are sued. Local laws typically mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. This insurance may also cover lost wages, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver 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.