The number of cars on the road increases every year. With the increasing number of vehicles on the road, crashes are going to happen. If you get in a car crash, the car insurance you own can make a large difference in what happens next. But why do you need insurance and just how much should you buy? Insurance requirements will differ by state/province, but typically include the following: Liability: It pays for the expenses you have caused to others in a car accident, including injury and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of use of property. It can also cover your legal fees if you are sued. Local laws typically require standard amounts, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you or your passengers, regardless of who was at fault in the collision. It is mandated in some states and optional in others. This insurance may also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of insurance. This insurance will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other types of coverage, such as emergency road service, are also available. Car Insurance Groveland