Every year, more drivers hit America's roads. With countless vehicles on the road, crashes will happen. The difference between a small aggravation and large pain can be your car insurance. But why do you need insurance and exactly how much should you buy? Auto insurance protects you by paying for injury or damage you cause others while driving your car, damage to your vehicle or injury to you or your passengers from an accidents, plus specific other occurrences, such as theft. Your state or province definitely mandates some type of car insurance. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It can also cover your defense and court costs if you are sued. State laws typically require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: This 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. The minimum amount of this insurance is usually set by the state. 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. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: Cover your vehicle from damages from other sources by purchasing this type of insurance. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: * Which policies you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some drivers don't want to pay for car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. Car Insurance Groveland