Each year, more cars and drivers hit the highways. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car wreck, the car insurance you have can make a large difference in what happens next. How can you decide what insurance you need and how you can purchase it? Car accidents can result in a variety of different expenses, which can all be paid for based on the insurance policy you have purchased. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance can pay for the damage that you have caused. These damages can include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the collision. It is occasionally referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without purchasing the right amount of insurance. This type of coverage will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you choose * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people may not want to pay for car insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. Car Insurance Groveland