The number of cars on the road increases each and every year. With the increasing number of vehicles on the road, crashes will happen. The difference between a little bother and major obstacle can be your car insurance. How can you decide what insurance you require and how to purchase it? Coverage requirements vary by state/province, but usually include the following: Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the crash. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: This pays for damage to your car caused by a collision. Comprehensive: This type of insurance covers all non-collision damages. This may include hail damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving a car without owning the right amount of auto insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, such as: * Which policies you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial crisis. Review your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. State Farm Agent Clermont