There are more drivers on the road every year. With countless vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you have can make a big difference in what happens next. How can you decide what insurance you require and how to purchase it? Mandated coverage varies based on the state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you have caused. These damages may include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are sued, this type of insurance can pay for your legal fees. Local laws typically mandate minimum amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. This insurance may also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damages 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: This pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from drivers without sufficient insurance coverage. Other policies, such as emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some drivers don't want to pay for car insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Groveland