The amount of drivers on the road increases every year. This could lead to a higher possibility of a collision for you and your family. Automobile insurance can be the difference between a small setback and a major hassle. How can you determine what insurance you need and how to buy it? Insurance requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also cover lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection covers all non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Car Insurance Groveland