There are more drivers on the road every year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a small setback and a large trial. So how do you know what type of car insurance you need and the quantity you should purchase? Auto insurance provides you with protection from paying for injury or damage you inflict on others while you are driving, damage to your car or personal injury or injury to your passengers from a crash, plus specific other incidents, such as robbery. Your state or province certainly requires some type of auto insurance. Electing to drive without 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 will pay for the damage that you have caused. These damages might include personal injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. 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: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for an insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood 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: This pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other types of coverage, including emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: * Which policies you choose * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Groveland