Every year, more automobiles and drivers hit our roads and freeways. With countless vehicles on the road, crashes will happen. If you get in a car wreck, the car insurance you own can make a large difference in what happens next. But why do you need to own insurance and exactly how much should you purchase? Mandated coverage varies by state/province but typically includes the following: Liability: It pays for damages due to personal injury and property damage to others for which you are responsible. It can also cover your defense and court costs if you are sued. State laws typically mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the accident. It is mandated in some states and optional in others. It can also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays despite who may be responsible. All reasonable medical or funeral expenses will be paid for under this insurance policy. Collision: This pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection covers any non-collision damages. This may include weather damage, vandalism, and theft. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the right amount of insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Other kinds of coverage, including emergency road service, can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. State Farm Agent Clermont