You will see more cars on the road each year. With the increasing number of vehicles on the road, accidents can happen. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you need and how to buy it? Car accidents can result in many different expenses, which can all be paid for based on the type of insurance you have purchased. Without insurance, you run the risk of having to pay the total price of any harm you cause others. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are in legal trouble, this type of insurance can pay for your court costs. Local laws typically mandate standard amounts, but higher 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, regardless of who was at fault in the collision. It is sometimes called no-fault coverage. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. This insurance will pay for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you select * The make and model of the car you own * Your driving record * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Car Insurance Groveland