The number of cars and drivers on the road increases every year. This could lead to a higher possibility of a car accident for you and your family. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to replacement costs. Without insurance, you risk having to pay the full price of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. If you are in legal trouble, it also pays your defense and court costs. State laws usually mandate standard amounts of liability insurance, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is mandated in some states and optional in others. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of insurance. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving without purchasing the proper amount of insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Emergency road service, car rental, and other varieties of car insurance can also be purchased. 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, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Car Insurance Groveland