Every year, more drivers hit our roads and freeways. This can lead to a higher possibility of a car accident for you and your family. Automobile insurance can make the difference between a minor setback and a major hassle. So how can you figure out which type of insurance you need and how much you should buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you are responsible for. These damages may 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 of liability insurance, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was at fault in the accident. It is required in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays despite who carries responsibility for a collision. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance covers any non-collision damages. This could include flood damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. 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 in accidents involving those drivers. Other types of coverage, such as emergency road service, are also available. Car Insurance Groveland