You will see more and more cars on the road each year. This could lead to an increased likelihood of a car accident. Automobile insurance can be the difference between a minor inconvenience and a major hassle. How can you determine what type of insurance you need and where you should go to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are in legal trouble, liability insurance will pay for your legal fees. Local laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. 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. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. If you buy this type of coverage, you will receive payment for reasonable medical or funeral costs. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance protection covers all non-collision damages. This could include flood damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Don't wait around to buy auto insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Groveland