Every year, more cars and drivers travel America's roads. As this number goes up, the chances of a car accident will also go up. If you get in a car accident, the car insurance you own can make a big difference in what happens next. So how do you know which type of insurance you need and how much to buy? Car insurance provides you with protection from paying for damage or injury you cause others while you are driving, damage to your car or personal injury or injury to your passengers from a crash, and specific other situations, such as burglary. No matter where you are living, you are required to buy some type of car insurance. Without insurance, you risk having to pay the full cost of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. If you are sued, it also pays your court costs. State laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Pays for damages to your car caused by an accident. Comprehensive: This type of insurance covers any damages not caused by a collision. This may include fire damage, vandalism, and burglary. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, such as emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. Car Insurance Groveland