There are more cars on the road every year. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you own can make a big difference in the experience you have. So how do you know what insurance you need and how much to buy? Insurance requirements will differ by state/province, but typically include the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws typically require standard amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also pay for lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. If this policy is purchased, the insured person will receive coverage for necessary medical and funeral expenses. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have enough liability insurance to pay for the total amount of the damages. Other types of car insurance, like car rental, are also available. Car Insurance Groveland