Each year, more automobiles and drivers are on the roads. With countless vehicles on the road, crashes can happen. Automobile insurance can be the difference between a minor inconvenience and a large trial. So how can you find out what insurance you need and how much to purchase? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages might include personal injury, and property damage. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It can also cover your legal fees if you are sued. State laws typically require minimum amounts, but larger 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. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. If this policy is bought, the insured person will receive payment for reasonable medical or funeral expenses. Collision: This pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of auto insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: *Your desired 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 procrastinate buying auto insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. Car Insurance Groveland