Each year, more drivers hit America's roads. This can lead to a higher possibility of a collision for you and your family. Automobile insurance can make the difference between a small inconvenience and a large hassle. So how can you figure out which type of insurance you need and how much to buy? Car crashes can result in many different expenses, which can all be paid for based on the type of coverage you own. Car insurance is mandated by state law. By not purchasing insurance, you run the risk of having to pay the full price of the harm you cause others. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. If you are in legal trouble, it also pays your defense and court costs. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, 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. It may also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance policy. Collision: Damages resulting from a collision will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by another person who does not have enough liability insurance to pay for the total cost of the damages. Other types of coverage, such as emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial fiasco. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. State Farm Clermont