There are more cars and drivers hitting the road every year. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and major pain can be your car insurance. How can you determine what type of insurance you require and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Your state or province certainly mandates some type of auto insurance. Without insurance, you risk having to pay the total price of the harm or injury you cause others. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. If you are sued, this type of insurance can pay for your court costs. State laws typically mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral costs. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a collision. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral costs. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. 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 protects you in accidents involving those drivers. Other kinds of car insurance, such as emergency road service and car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that fits you best. State Farm Agent Clermont