The amount of cars and drivers on the road increases every year. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a minor setback and a large trial. How can you decide what insurance you require and how you can purchase it? Car crashes can result in a variety of different expenses, which your insurance can pay for based on the insurance policy you own. Every state and province mandates auto insurance by law. Without insurance, you risk having to pay the total price of any harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. If you are sued, this type of insurance will pay for your legal fees. State laws usually require standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the crash. It is commonly referred to as no-fault coverage. It can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a collision. It pays for all insured person's reasonable medical and funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance covers all non-collision damages. This could include weather damage, vandalism, and robbery. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: * What coverage you select * The type of the vehicle you own * Your driving record * Your age, sex and marital status * Where you live Don't procrastinate buying auto insurance; you shouldn't drive a car without it. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. State Farm Agent Clermont