Each year, more drivers hit our roads and freeways. This can lead to a higher possibility of a car accident for you and your family. Automobile insurance can make the difference between a minor setback and a major trial. But why do you need insurance and exactly how much should you buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the crash. It is mandated in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: This kind of insurance protection covers all damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some people have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Groveland