Every year, more drivers travel the highways. As this number increases, the chances of a car wreck will also go up. If you get in a car accident, the car insurance you own can make a big difference in what happens next. But why do you need insurance and exactly how much should you buy? Insurance requirements vary by state/province, but usually include the following: Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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 typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other types of coverage, such as car rental and emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: * Which policies you select * The type of the car you own * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. Car Insurance Groveland