Every year, more drivers hit America's roads. This can lead to an increased likelihood of a collision for you and your family. Car insurance can make the difference between a small inconvenience and a large trial. So how do you know which type of insurance you need and how much to buy? Required coverage varies based on the state/province but usually includes the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages can include bodily injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are sued, 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: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. This insurance can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: This pays for repair and replacement costs 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: Similar to uninsured motorist protection, this type of insurance covers you from people driving without enough insurance coverage. Other types of coverage, such as emergency road service and car rental, can also be purchased. Car Insurance Groveland