There are more cars on the road every year. With the increasing number of vehicles on the road, crashes can happen. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you need and where you should go to buy it? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages can include personal injury, and property damage. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. State law typically sets minimum amounts. 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. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: This kind of insurance takes care of all non-collision damages. This could include weather damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who 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. Other policies, like car rental, are also available. What you pay for auto insurance varies 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 wait around to buy car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that best suits you. State Farm Clermont