There are more drivers on the road each year. With so many vehicles on the road, accidents will happen. Car insurance can be the difference between a small inconvenience and a large hassle. So how can you find out what type of car insurance you need and how much to purchase? Mandated coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. If you are sued, it also pays your court costs. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This is mandated 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. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for an accident. This insurance will pay for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, like emergency road service, can also be purchased. Car Insurance Groveland