Every year, more cars and drivers are on the highways. This can lead to a higher possibility of a collision. Automobile insurance can be the difference between a small inconvenience and a major trial. But why is insurance important and just how much do you need? Insurance requirements vary by state/province, but typically include the following: Liability: It pays for damages due to bodily injury and property damage to others where you are responsible. If you are in legal trouble, liability insurance can pay for your legal fees. Local laws typically require standard amounts of liability insurance, but larger amounts are available and very beneficial. 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 can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your car insurance payments varies based on the company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Groveland