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Each year, more drivers travel America's roads. This can lead to a higher possibility of a car accident for you and your family. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. But why do you need insurance and exactly how much should you purchase? Auto insurance provides you with protection from covering the cost of injury or damage you inflict on others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, plus certain other incidents, such as theft. Electing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs and loss of use of property. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of 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. State law usually sets minimum amounts. 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 all types of medical and funeral expenses. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Cover your car from damages from other sources by purchasing this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without having the right amount of auto insurance. This insurance will cover you if you are in an accident with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of car insurance, such as car rental, can also be purchased. Car Insurance Groveland