Every year, more cars travel the highways. As this number goes up, the chances of a car accident will also increase. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much you should buy? Auto insurance protects you by covering the cost of damage or injury you inflict on others while driving your car, damage to your vehicle or personal injury or injury to your passengers from a crash, plus certain other occurrences, such as theft. Every state and province requires automobile insurance by law. By not owning insurance, you risk having to pay the full price of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This kind of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, liability insurance can pay for your legal fees. Local laws usually require standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the collision. It is occasionally referred to as no-fault coverage. Local law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may have been at fault. It pays for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This type of coverage will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Other policies, such as emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: * Which policies you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Car Insurance Groveland