There are more cars and drivers hitting the road each year. With countless vehicles on the road, accidents can happen. If you get in a car crash, the car insurance you own can make a big difference in what happens next. So how do you know what insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Your state or province certainly mandates some type of car insurance. By not owning insurance, you risk having to pay the full cost of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, it also pays your court costs. State laws usually require standard amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This 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. It may also cover lost earnings, replacement of services and funeral costs. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for an accident. If this policy is bought, the insured person will receive coverage for necessary medical and funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the right amount of insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Other types of coverage, including car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. Car Insurance Groveland