There are more cars on the road each year. As this number goes up, the possibility of accidents also goes up. The difference between a small aggravation and major pain can be the car insurance you own. How can you determine what type of insurance you require and where you should go to buy it? Car crashes can result in many different expenses, which your car insurance can pay for based on the insurance policy you own. Your state or province definitely mandates some type of auto insurance. By not owning insurance, you run the risk of having to pay the full cost of any harm you cause others. Liability: Liability pays for damages due to personal injury and damage to property when you are responsible. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance takes care of any non-collision damages. This may include hail damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The type of the vehicle you own * Your driving record * Your age, sex and marital status * The place where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. Car Insurance Groveland