There are more cars on the road each year. This can lead to a higher possibility of a collision for you and your family. The difference between a small bother and major pain can be your insurance. But why do you need insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. No matter where you live, you will need to purchase some variety of car insurance. Deciding to drive without owning 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: This type of insurance will pay for the damage that you have caused. These damages might include personal injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, this type of insurance can pay for your legal fees. State laws usually mandate minimum amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. It can also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually 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 be responsible. This insurance will pay for all insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This may include fire damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have insurance. 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. Other types of car insurance, such as emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Some have consider car insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Car Insurance Groveland