Car Insurance Tustin CA We see more cars on the road each year. With countless vehicles on the road, accidents will happen. If you get in a car accident, the car insurance you own can make a big difference in the experience you have. But why is insurance important and just how much do you need? Car accidents can result in a variety of different expenses, which your insurance might be able to pay for based on the insurance policy you have purchased. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: Liability pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are sued, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is mandated in some states and optional in others. State law typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. It pays for an insured person’s reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the proper amount of insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you in accidents involving those drivers. Other types of coverage, like car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle’s make and model * Your driving record * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you.