Each year, more drivers hit our roads and freeways. With the increasing number of vehicles on the road, accidents are going to happen. If you get in a car accident, the car insurance you have can make a big difference in what happens next. How can you determine what insurance you need and how you can purchase it? Coverage requirements will differ by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the crash. It is sometimes referred to as no-fault coverage. It may also cover lost earnings, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral costs. Collision: Damages that occur from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the right amount of insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from people driving without enough insurance coverage. Other types of coverage, including car rental, are also available. Car Insurance Groveland