Each year, more cars travel the highways. This can lead to a higher possibility of a collision for you and your family. The difference between a little bother and large pain can be automobile insurance. So how can you figure out which type of insurance you need and how much you should buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. By not owning insurance, you risk having to pay the full price of any harm or injury you cause others. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, liability insurance can pay for your legal fees. Local laws usually mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was responsible for the accident. It is mandated in some states and optional in others. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of car insurance, including emergency road service and car rental, can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: *Your selected 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 Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. Car Insurance Groveland