We see more and more cars on the road every year. As this number goes up, the possibility of accidents also goes up. Car insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much do you need? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Every state and province requires auto insurance by law. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, it also pays your court costs. State laws typically mandate standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the collision. It is mandated in some states and optional in others. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for an accident. If you buy this type of coverage, you will receive coverage for necessary medical or funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, like car rental, are also available. Car Insurance Groveland