Each year, more cars and drivers are on the roads. With the increasing number of vehicles on the road, accidents can happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. How can you decide what insurance you require and how to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Your state or province certainly requires some type of auto insurance. Without insurance, you run the risk of having to pay the full price of the harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to damaged property or loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more than the lower, state-mandated varieties. 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 this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance coverage. Other kinds of coverage, like emergency road service and car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, including: * What coverage you select * The make and model of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that fits you best. Car Insurance Groveland