You will see more and more cars on the road each year. This can lead to an increased likelihood of a car accident. If you get in a car wreck, the auto insurance you have can make a big difference in the experience you have. So how do you know what type of car insurance you need and the quantity you should buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Every state and province mandates automobile insurance by law. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Liability pays for damages due to personal injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, and lost wages. Property damage includes damaged property and loss of property use. It can also cover your legal fees if you are sued. Local laws typically require standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also cover lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for an accident. It pays for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance protection. Other types of coverage, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the car you own * Whether or not you have been in an accident * 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. Review your needs, do your research , and with the help of your insurance agency, make the decision that best suits you. Car Insurance Groveland