You will see more cars on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. It can also cover your legal fees if you are sued. State laws usually require standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was responsible for the accident. It is mandated in some states and optional in others. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays regardless of who carries responsibility for a crash. If you purchase this type of coverage, you will receive coverage for reasonable medical or funeral costs. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of car insurance. This type of coverage will protect you if you are in an accident with one of these irresponsible drivers. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: * What coverage you choose * The type of the car you drive * Your driving record * Your age, gender 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. Evaluate your needs, research your options, and with the help of your insurance agency, make the decision that fits you best. State Farm Clermont