You will see more and more drivers on the road every year. This could lead to a higher possibility of a car accident. Car insurance can make the difference between a minor inconvenience and a major trial. How can you decide what insurance you require and where you should go to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, no matter who was at fault in the collision. It is commonly called no-fault coverage. State government usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for all insured person's necessary medical or funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This may include hail damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when an insured person is injured in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of coverage, including emergency road service, are also available. Car Insurance Groveland