The number of drivers on the road increases each year. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how can you figure out what insurance you need and how much to buy? Insurance requirements vary by state/province, but usually include the following: Liability: This type of insurance coverage will pay for the damage that you have caused. These damages might include bodily injury, and property damage. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your legal fees if you are sued. Local laws usually require standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the accident. It is mandated in some states and optional in others. This insurance may also cover lost wages, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for a crash. It pays for an insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection covers all non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without sufficient insurance protection. Other types of coverage, including car rental, are also available. Car Insurance Groveland