The number of drivers on the road increases each year. With the increasing number of vehicles on the road, crashes will happen. Car insurance can make the difference between a minor setback and a large hassle. So how do you know what insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of property use. It also covers your defense and court costs if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance can also pay for lost wages, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage has been purchased, the insured person will receive payment for all types of medical or funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without owning the proper amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance coverage. Other kinds of car insurance, such as emergency road service and car rental, can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: * Which policies 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 Don't wait around to buy car insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. Car Insurance Groveland