There are more drivers hitting the road each year. As this number goes up, the chances of a car wreck will also increase. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. But why is insurance important and just how much do you need? Car accidents can result in a variety of different expenses, which your insurance can pay for based on the type of coverage you have purchased. No matter where you are living, you will need to buy some variety of auto insurance. By not purchasing insurance, you run the risk of having to pay the total price of the harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: It pays for expenses due to personal injury and property damage to others when you are responsible. If you are in legal trouble, it also pays your defense and court costs. Local laws typically require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, no matter who was at fault in the crash. It is commonly called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay regardless of who may be responsible. If you purchase this type of coverage, you will receive payment for necessary medical and funeral costs. Collision: Damages that occur from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance takes care of all non-collision damages. This could include hail damage, vandalism, and burglary. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * What coverage you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying auto insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. Car Insurance Groveland