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Each year, more cars hit America's roads. As this number goes up, the possibility of accidents also goes up. The difference between a little bother and major pain can be automobile insurance. So how can you figure out what insurance you need and how much to buy? Car crashes can lead to a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Auto insurance is required by law in all states and provinces. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. It also covers your legal fees if you are sued. Local laws usually mandate minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you shouldn't drive a car without it. Review your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Car Insurance Groveland