Hi, this is Melissa Morley with All Seasons Insurance. Today, we're gonna talk about just what type of car insurance do you need. There is a lot of questions about car insurance, and it's, happens quite often that when you call up looking for different quotes on how much car insurance is going to cost you, those prices can vary wildly. One of the reasons for that is maybe on one of the quotes you're just being quoted for liability only, and maybe on another one of the quotes you're being quoted for physical damage on your car as well. Maybe you have medical, maybe you don't. It's really good to understand what these coverages are so you can make an informed decision when you buy insurance. Realistically speaking, the more insurance that you buy, the better covered you are. But you also don't wanna cover too much insurance. So how much is enough? We need to start with an understanding that primarily insurance is about covering your assets. So if you are involved in a serious injury accident, and were to be brought to court because somehow the medical or physical damage limits exceeded your limits on your policy, that you wouldn't be sued for your own moneys, your own assets. A good way to do that is to contact a financial specialist and that financial specialist will help you to determine how much your really worth. You add up your retirement benefits, you add up your assets, your equity in your house, and you find out that with other things like inheritances, how much are your assets? If someone were to sue you, what amount could they get. Then you match your insurance to those levels. When you go insurance shopping, make sure that you have quotes apples for apples. If you can't afford to pay your medical bills, make sure that you have medical insurance coverage. If you need to have your car replaced, make sure that you have physical damage, comp and collision on it. If you only have one car, by all means, get rental insurance, and get towing. I hope this helps to make a situation that covers you fully in case you need it. This is Melissa Morley with All Seasons Insurance, and today we've talked about, what type of coverage do you really need on car insurance.