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There are more cars hitting the road each year. 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 have can make a big difference in how much you have to pay. How can you determine what type of insurance you need and how to buy it? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated insurance. 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. This insurance may also pay for lost earnings, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for an accident. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the proper amount of insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, such as: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it can truly save you from a financial mess. Review your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. Car Insurance Groveland