We see more drivers on the road each year. This can lead to a higher possibility of a collision. If you get in a car wreck, the car insurance you have can make a big difference in the experience you have. So how do you know what insurance you need and how much to buy? Car crashes can lead to a variety of different expenses, which your insurance might be able to pay for based on the type of coverage you have purchased. Car insurance is mandated by state law. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, it also pays your legal fees. Local laws typically mandate minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the crash. It is mandated in some states and optional in others. This insurance can also cover lost earnings, service replacement and funeral expenses. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Pays for damages 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 kind of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you drive * Your driving record * Your age, gender and marital status * Where you live Some people think they can get by without car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agency, make the decision that best suits you. Car Insurance Groveland