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Every year, more cars and drivers are on the highways. This could lead to a higher possibility of a collision. If you get in a car crash, the car insurance you have can make a big difference in the experience you have. How can you decide what type of insurance you need and where you should go to buy it? Required coverage varies based on the state/province but typically includes the following: Liability: Liability pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are sued, liability insurance can pay for your court costs. State laws typically require standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, no matter who was responsible for the accident. It is commonly called no-fault coverage. This insurance may also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Other kinds of car insurance, such as emergency road service and car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Car Insurance Groveland