There are more cars hitting the road each year. With so many vehicles on the road, crashes will happen. The difference between a little bother and major obstacle can be the car insurance you have purchased. So how do you know what type of car insurance you need and how much to buy? Car crashes can result in many different expenses, which your car insurance might be able to pay for based on the type of coverage you have purchased. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate minimum amounts, but higher amounts are available and very beneficial. 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may have been at fault. It pays for all insured person's reasonable medical or funeral expenses for bodily injury from an accident. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. Car Insurance Groveland