We see more cars on the road each year. This could lead to an increased likelihood of a car accident. If you get in a car accident, the auto insurance you have can make a large difference in the experience you have. So how can you find out what insurance you need and how much to buy? Car insurance provides you with protection from paying for damage or injury you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, and certain other situations, such as robbery. No matter where you live, you are required to purchase some variety of auto insurance. By not purchasing insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. If you are sued, this type of insurance will pay for your court costs. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. This insurance will pay for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Other kinds of car insurance, including emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: * What coverage you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Groveland