There are more drivers hitting the road each year. This could lead to a higher possibility of a car accident. Automobile insurance can make the difference between a small inconvenience and a major trial. But why is insurance necessary and just how much do you need? Mandated coverage varies by state/province but typically includes the following: Liability: This type of insurance coverage can pay for the damage that you have caused. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. State laws typically mandate standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, no matter who was responsible for the collision. It is sometimes called no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who carries responsibility for a crash. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving without having the proper amount of car insurance. This type of coverage will protect you if you are in an accident with one of these drivers. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you select * The type of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the guidance of your insurance agency, choose the option that fits you best. Car Insurance Groveland