Each year, more drivers hit our roads and freeways. As this number goes up, the chances of a car accident will also go up. The difference between a little bother and major obstacle can be your insurance. But why do you need to own insurance and exactly how much should you purchase? Your car insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Making the decision to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, liability insurance can pay for your legal fees. State laws typically require minimum amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and your passengers, regardless of who was at fault in the collision. It is mandated in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the proper amount of auto insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Car Insurance Groveland