Each year, more cars and drivers travel the highways. This could lead to a higher possibility of a car accident. The difference between a little bother and large pain can be your car insurance. How can you decide what insurance you need and how to buy it? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your court costs. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the collision. It is sometimes called no-fault coverage. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a collision. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses for bodily injury from an accident. Collision: Pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the proper amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other types of car insurance, like emergency road service, are also available. Car Insurance Groveland