Every year, more automobiles and drivers are on the highways. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a minor inconvenience and a large hassle. But why is insurance required by law and just how much do you need? Mandated coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance are available that take care of more than the stripped-down, state-mandated varieties. Personal Injury Protection: This is mandated 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. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. It pays for an insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be paid for under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance covers you from drivers without enough insurance coverage. Other types of coverage, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: * What coverage you select * The type of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. Car Insurance Groveland