Every year, more drivers hit America's roads. With countless vehicles on the road, crashes will happen. The difference between a small bother and major pain can be the car insurance you own. How can you determine what insurance you require and how you can buy it? Car insurance protects you by paying for injury or damage you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from a crash, plus certain other situations, such as theft. By not owning insurance, you risk having to pay the full cost of any harm you cause others. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, this type of insurance will pay for your legal fees. State laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is required in some states and optional in others. It can also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. If you buy this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance protection. Other kinds of car insurance, including car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage 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 people 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 support of your insurance agency, choose the option that fits you best. Car Insurance Groveland