There are more drivers on the road each year. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you have can make a large difference in what happens next. So how do you know what insurance you need and how much you should buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. By not purchasing insurance, you run the risk of having to pay the full price of the harm you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, it also pays your legal fees. State laws typically mandate minimum amounts, but higher amounts are available and very beneficial. 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 personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to cover the full amount of the damages. Other kinds of car insurance, like emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: * Which policies you select * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Car Insurance Groveland