Every year, more cars and drivers travel the roads. As this number increases, the chances of a car accident will also go up. If you get in a car crash, the car insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Auto insurance protects you by paying for damage caused to your car or another person's car and injury to others, yourself, or your passengers, and specific other situations, such as robbery. No matter where you live, you will need to purchase some variety of car 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 for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This 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. This insurance may also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damage to your car caused by an accident. Comprehensive: This type of insurance takes care of any non-collision damages. This may include fire damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Other kinds of car insurance, like emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Groveland