Each year, more drivers hit our roads and freeways. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. By not purchasing insurance, you run the risk of having to pay the total cost of any harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes damaged property and loss of use of property. It can also cover your defense and court costs if you are sued. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also pay for lost wages, replacement of services and funeral costs. Local government typically sets minimum amounts. 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. This insurance will pay for an insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Other types of coverage, such as car rental, are also available. What you pay for auto insurance varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. Car Insurance Groveland

The number of drivers on the road increases each year. As this number goes up, the chances of a car wreck will also go up. If you get in a car wreck, the auto insurance you own can make a big difference in what happens next. But why do you need insurance and exactly how much should you purchase? Car accidents can result in many different expenses, which your car insurance can pay for based on the insurance policy you have purchased. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Liability pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes damaged property or loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also pay for lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for reasonable medical and funeral costs. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. 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. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of coverage, including emergency road service and car rental, can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the car you drive * Your driving record * Your age, sex and marital status * The place where you live Many people may not want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that fits you best. Car Insurance Groveland

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The amount of cars and drivers on the road increases each and every year. With countless vehicles on the road, crashes are going to happen. Car insurance can be the difference between a minor inconvenience and a major hassle. But why do you need to own insurance and just how much should you buy? Required coverage varies by state/province but typically includes the following: Liability: This type of insurance can pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of use of property. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance can be purchased that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. 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. If this policy is bought, the insured person will receive payment for reasonable medical or funeral expenses. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include weather damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance covers you from drivers without enough insurance protection. Other types of coverage, like emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, including: * What coverage you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the guidance of your insurance agent, choose the option that best suits you. Car Insurance Groveland