The number of cars and drivers on the road increases each year. With the increasing number of vehicles on the road, accidents are going to happen. Car insurance can be the difference between a small setback and a major trial. But why do you need to own insurance and exactly how much should you purchase? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who may be responsible. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other policies, like emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: * What coverage you select * The type of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Many drivers don't want to pay for car insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. Car Insurance Groveland