There are more cars and drivers hitting the road every year. With the increasing number of vehicles on the road, accidents are going to happen. The difference between a small aggravation and large pain can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you buy? Required coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. It can also cover your defense and court costs if you are sued. State laws typically require standard amounts, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also pay for lost wages, service replacement and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may be responsible. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This may include weather damage, vandalism, and theft. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of auto insurance. This insurance will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance coverage. Other types of coverage, such as car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some people don't want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Car Insurance Groveland