Every year, more automobiles and drivers hit the highways. As this number increases, the chances of a car accident will also go up. The difference between a little aggravation and major pain can be car insurance. But why is insurance necessary and just how much do you need? Car accidents can result in many different expenses, which can all be paid for based on the type of coverage you have purchased. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Liability pays for the expenses you have caused to others in a car collision, including injury and property damage. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This 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. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive payment for all types of medical or funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This could include fire and wind damage, vandalism, and burglary. Uninsured Motorist: Many drivers are ignoring the law by driving without having the right amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. Car Insurance Groveland