You will see more cars on the road every year. With countless vehicles on the road, crashes will happen. Car insurance can be the difference between a minor setback and a major trial. But why is insurance required by law and just how much do you need? Auto insurance provides you with protection from paying for damage caused to your car or someone else's car and injury to other people, yourself, or passengers in your car, plus specific other situations, such as theft. Without insurance, you run the risk of having to pay the total cost of any harm you cause others. Liability: Liability pays for damages due to bodily injury and property damage to others for which you are responsible. Damages from bodily injury can include medical expenses, and lost wages. Property damage includes damaged property and loss of property use. If you are sued, it also pays your legal fees. Local laws usually mandate minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is required in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the proper amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without sufficient insurance coverage. Other types of coverage, like emergency road service, are also available. Car Insurance Groveland