The amount of drivers on the road increases every year. With so many vehicles on the road, crashes are going to happen. The difference between a small aggravation and major obstacle can be your insurance. But why do you need insurance and just how much should you buy? Auto insurance protects you by covering the cost of damage caused to your car or someone else's car and injury to others, yourself, or passengers in your car, plus specific other situations, such as robbery. Every state and province mandates automobile insurance by law. Without insurance, you run the risk of having to pay the total cost of the harm you cause others. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that cover more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. It pays for an insured person's reasonable medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance protection covers any non-collision damages. This may include weather damage, vandalism, and robbery. Uninsured Motorist: Many drivers are ignoring the law by driving without owning the right amount of car insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. Car Insurance Groveland