Every year, more drivers travel the highways. This can lead to a higher possibility of a collision for you and your family. The difference between a little aggravation and large obstacle can be car insurance. But why do you need to own insurance and just how much should you purchase? Required coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the accident. It is occasionally called no-fault coverage. It may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who carries responsibility for a collision. If this type of coverage is bought, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other types of coverage, like emergency road service and car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, such as: * What coverage you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that best suits you. Car Insurance Groveland