There are more cars and drivers hitting the road each year. With the increasing number of vehicles on the road, crashes are going to happen. The difference between a little bother and large pain can be the car insurance you own. How can you decide what insurance you require and how to buy it? Auto insurance protects you by covering the cost of damage caused to your vehicle or someone else's vehicle and injury to other people, yourself, or your passengers, and certain other occurrences, such as burglary. Every state or province requires automobile insurance by law. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include bodily injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required 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. This insurance may also pay for lost wages, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without having the right amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Other types of coverage, such as emergency road service, can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: * Which policies you select * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Some drivers don't want to pay for 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 fits you best. Car Insurance Groveland