We see more cars on the road every year. As this number goes up, the chances of a car wreck will also increase. The difference between a small bother and large pain can be the car insurance you have purchased. So how can you find out what insurance you need and how much to purchase? Insurance requirements vary by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. 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 can also pay for lost earnings, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive payment for necessary medical and funeral costs. Collision: This pays for damages to your car caused by an accident. 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 proper amount of auto insurance. This insurance will cover you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance coverage. Other types of coverage, such as car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it can truly rescue you from a financial mess. Review your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. Car Insurance Groveland