Each year, more cars and drivers travel the highways. As this number increases, the chances of a car accident will also increase. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much should you buy? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Choosing 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 for which you might be responsible. 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 can also cover your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts are available and very beneficial. 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. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive coverage for all types of medical or funeral expenses. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, choose the option that best suits you. Car Insurance Groveland