The amount of cars on the road increases each year. This could lead to an increased likelihood of a collision for you and your family. The difference between a little bother and large pain can be your insurance. But why do you need insurance and exactly how much should you purchase? Coverage requirements vary by state/province, but typically include the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of use of property. If you are sued, liability insurance can pay for your defense and court costs. State laws typically mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was at fault in the crash. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: This pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the proper amount of auto insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance protection. Other kinds of car insurance, like emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Car Insurance Groveland