Every year, more cars and drivers hit the roads. This could lead to a higher possibility of a car accident. The difference between a little bother and major obstacle can be the car insurance you have purchased. But why do you need insurance and just how much should you buy? Car crashes can lead to many different expenses, which your insurance can pay for based on the insurance policy you have purchased. Your state or province definitely requires some type of auto insurance. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. 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 expenses, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, this type of insurance will pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of 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. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical and funeral expenses resulting from a crash. Collision: This pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of car insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you from those drivers. Other policies, such as emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some 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. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Car Insurance Groveland