We see more and more drivers on the road each year. With countless vehicles on the road, accidents can happen. If you get in a car crash, the auto insurance you have can make a large difference in how much you have to pay. But why is insurance required by law and just how much do you need? Coverage requirements will differ by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. 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 than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. The minimum amount of this insurance is typically set by local government. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage has been purchased, the insured person will receive coverage for necessary medical and funeral costs. Collision: Pays for damages to your car caused by a collision. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: * Which policies you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the support of your insurance agent, make the decision that best suits you. State Farm Agent Clermont