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There are more cars on the road each year. With countless vehicles on the road, accidents can happen. If you get in a car wreck, the auto insurance you have can make a big difference in the experience you have. But why is insurance necessary and just how much do you need? Insurance requirements will differ by state/province, but usually include the following: Liability: It pays for expenses due to bodily injury and damage to property that you are responsible for. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the accident. It is mandated in some states and optional in others. It may also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who carries responsibility for a collision. If you buy this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This could include fire damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving without having the right amount of auto insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: * Which policies you select * The type of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Don't wait around to buy auto insurance; you should never drive a car without it. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. Car Insurance Groveland
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