There are more cars 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 own can make a big difference in what happens next. But why do you need to own insurance and just how much should you purchase? Car accidents can lead to a variety of different expenses, which your insurance might be able to pay for based on the insurance policy you own. Every state or province mandates automobile insurance by law. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. 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. This insurance may also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for reasonable medical or funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This may include protection from robbery, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * 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, research your options, and with the help of your insurance agent, choose the option that fits you best. Car Insurance Groveland