Every year, more cars and drivers are on the roads. As this number increases, the chances of a car collision will also increase. Automobile insurance can make the difference between a small setback and a major hassle. How can you determine what type of insurance you need and where you should go to buy it? Mandated coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Local laws typically mandate minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is mandated 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 usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who may have been at fault. If this type of coverage has been purchased, the insured person will receive coverage for reasonable medical and funeral costs. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Car Insurance Groveland