There are more cars and drivers on the road each year. As this number increases, the chances of a car accident will also go up. If you get in a car accident, the car insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Car insurance provides you with protection from covering the cost of damage caused to your car or another person's car and injury to other people, yourself, or passengers in your car, plus certain other incidents, such as robbery. Every state or province mandates car insurance by law. Without insurance, you run the risk of having to pay the full cost of the harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, liability insurance will pay for your defense and court costs. Local laws typically require standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance 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. The minimum amount of personal injury protection is typically set by local government. 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. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This kind of insurance protection covers all non-collision damages. This may include fire damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without having the right amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Other policies, like car rental and emergency road service, are also available. Car Insurance Groveland