You will see more and more cars on the road each year. With countless vehicles on the road, crashes can happen. If you get in a car wreck, the auto insurance you have can make a big difference in the experience you have. So how can you find out what insurance you need and the quantity you should purchase? Car crashes can result in a variety of different expenses, which your insurance might be able to pay for based on the type of insurance you own. Every state and province requires auto insurance by law. Choosing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be covered under this type of insurance. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. It may also cover lost wages, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive payment for necessary medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from burglary, vandalism, and fire or flood 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: Similar to uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. Car Insurance Groveland