Each year, more automobiles and drivers travel the highways. This could lead to an increased likelihood of a collision. The difference between a small bother and large obstacle can be your insurance. So how can you find out what insurance you need and how much to buy? Coverage requirements vary by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance 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 typically set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving without owning the right amount of auto insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, such as car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: * What coverage you select * The type of the car you own * Your driving record * Your age, sex and marital status * The place where you live Don't wait around to buy car insurance; you should never drive a car without it. Review your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. Car Insurance Groveland