The amount of cars and drivers on the road increases each year. As this number increases, the chances of a car collision will also go up. If you get in a car crash, the auto insurance you have can make a big difference in what happens next. How can you determine what insurance you require and how you can purchase it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Auto insurance is required by law in all states and provinces. Without insurance, you risk having to pay the total price of the harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property or loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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 usually 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. If this type of coverage has been bought, the insured person will receive payment for all types of medical and funeral expenses. Collision: Pays for damages to your car caused by an accident. Comprehensive: Cover your car from damages from other sources by purchasing this type of coverage. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Groveland