There are more drivers on the road every year. As this number increases, the chances of a car wreck will also go up. Automobile insurance can make the difference between a minor inconvenience and a large hassle. How can you decide what insurance you need and where you should go to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: This type of insurance can pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, liability insurance will pay for your legal fees. State laws typically mandate standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, no matter who was responsible for the crash. It is mandated in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance takes care of any damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in an accident caused by another person who does not have insurance. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to pay for the full amount of the damages. Other kinds of car insurance, like emergency road service, can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Groveland