The amount of drivers on the road increases every year. With the increasing number of vehicles on the road, accidents are going to happen. If you get in a car wreck, the car insurance you have can make a large difference in what happens next. How can you determine what insurance you need and how you can buy it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. If you are in legal trouble, liability insurance will pay for your defense and court costs. Local laws typically mandate standard amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the accident. It is commonly referred to as no-fault coverage. This insurance can also pay for lost earnings, 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 an accident. 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 applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Other policies, like car rental and emergency road service, are also available. Car Insurance Groveland