Every year, more cars and drivers hit the highways. This can lead to an increased likelihood of a car accident. The difference between a small bother and large obstacle can be the car insurance you have purchased. So how do you know what type of car insurance you need and how much to buy? Car insurance protects you by paying for injury or damage you cause others while you are driving, damage to your vehicle or personal injury or injury to your passengers from a crash, and certain other occurrences, such as robbery. Your state or province certainly mandates some type of auto insurance. Electing 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: This kind of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Local laws usually mandate minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, regardless of who was responsible for the collision. It is mandated in some states and optional in others. This insurance may also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who may have been at fault. If this policy has been bought, the insured person will receive payment for necessary medical or funeral costs. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the right amount of car insurance. This insurance will cover you if you are in a collision with one of these drivers. 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. Under-insured motorist coverage covers you from those drivers. Other types of car insurance, including car rental, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. Car Insurance Groveland