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The number of drivers on the road increases each and every year. With countless vehicles on the road, crashes will happen. If you get in a car crash, the auto insurance you own can make a big difference in how much you have to pay. So how do you know which type of insurance you need and how much you should buy? Car crashes can result in many different expenses, which your insurance might be able to pay for based on the type of coverage you own. Every state or province requires automobile insurance by law. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Pays for the expenses you have caused to others in a car collision, including injury and property damage. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for all medical treatment for you or other people in your car, no matter who was at fault in the accident. It is sometimes called no-fault coverage. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is in an accident caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Other kinds of coverage, such as emergency road service and car rental, can also be purchased. Your car insurance payments vary by company and will depend on several factors, such as: * Which policies you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial crisis. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Car Insurance Groveland