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Every year, more automobiles and drivers are on the highways. With the increasing number of vehicles on the road, accidents can happen. The difference between a little bother and large pain can be automobile insurance. So how do you know what type of car insurance you need and how much to purchase? Car accidents can result in many different expenses, which can all be paid for based on the type of insurance you have purchased. Every state or province requires car insurance by law. By not purchasing insurance, you run the risk of having to pay the total price of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property or loss of property use. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the collision. It is commonly called no-fault coverage. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other types of coverage, like car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that best suits you. Car Insurance Groveland