Every year, more cars and drivers travel the roads. As this number increases, the chances of a car collision will also increase. The difference between a small bother and large obstacle can be car insurance. How can you determine what type of insurance you require and how to buy it? Coverage requirements will differ 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 can include personal injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of property use. It also covers your defense and court costs if you are sued. Local laws typically require standard amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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 the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This may include weather damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Other policies, including car rental and emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on several 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 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, choose the option that best suits you. Car Insurance Groveland