Each year, more cars and drivers hit the highways. As this number increases, the chances of a car accident will also increase. If you get in a car crash, the auto insurance you have can make a big difference in the experience you have. But why is insurance necessary and just how much should you get? Auto insurance provides you with protection from paying for damage caused to your car or another person's car and injury to other people, yourself, or passengers in your car, and certain other occurrences, such as robbery. Every state and province requires car insurance by law. By not owning insurance, you risk having to pay the total cost of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. If you are sued, this type of insurance can pay for your court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. If you purchase this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance protection. Other types of coverage, like car rental, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. Car Insurance Groveland