There are more drivers hitting the road every year. This can lead to a higher possibility of a car accident for you and your family. Car insurance can make the difference between a minor setback and a large trial. So how do you know which type of insurance you need and how much you should buy? Coverage requirements will differ by state/province, but usually include the following: Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, liability insurance will pay for your legal fees. Recommended, higher levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the crash. It is sometimes referred to as no-fault coverage. It can also pay for lost earnings, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may have been at fault. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other kinds of coverage, like emergency road service and car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some have come to think of car insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Groveland