Each year, more drivers travel the highways. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Coverage requirements vary by state/province, but typically include the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Bodily injury damages 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 sued, it also pays your legal fees. State laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated 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. It may also pay for lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * Which policies you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. Car Insurance Groveland