Every year, more cars travel America's roads. With so many vehicles on the road, crashes can happen. The difference between a small aggravation and large obstacle can be the car insurance you have purchased. So how can you figure out what insurance you need and how much to buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. If you purchase this type of coverage, you will receive payment for necessary medical or funeral costs. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of any non-collision damages. This may include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the right amount of insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, such as car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Car Insurance Groveland