There are more cars hitting the road each year. With the increasing number of vehicles on the road, crashes are going to happen. If you get in a car wreck, the auto insurance you have can make a large difference in what happens next. So how do you know which type of insurance you need and how much you should buy? Required coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who may have been at fault. If you purchase this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of car insurance, including emergency road service, can also be purchased. Car Insurance Groveland