The amount of cars and drivers on the road increases each and every year. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the car insurance you have can make a large difference in what happens next. But why do you need insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or 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 this type of insurance. If you are sued, this type of insurance can pay for your defense and 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 insurance is required 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. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages resulting from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance covers all non-collision damages. This may include hail damage, vandalism, and robbery. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are supposed to take care of. This type of insurance covers you from those drivers. Other kinds of car insurance, such as car rental, are also available. Car Insurance Groveland