There are more cars and drivers hitting the road each year. This could lead to an increased likelihood of a car accident for you and your family. Automobile insurance can be the difference between a small setback and a major hassle. How can you determine what insurance you require and how you can purchase it? Required coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property and loss of property use. It can also cover your legal fees if you are sued. Local laws usually require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was responsible for the accident. It is commonly referred to as no-fault coverage. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it will pay despite who may have been at fault. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without enough insurance protection. Other types of coverage, like emergency road service, are also available. Car Insurance Groveland