The number of cars on the road increases each year. This can lead to an increased likelihood of a car accident for you and your family. If you get in a car accident, the auto insurance you own can make a large difference in what happens next. But why do you need insurance and exactly how much should you buy? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, it also pays your court costs. Local laws usually require minimum amounts of liability insurance, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was responsible for the crash. It is required in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Pays for damages to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Agent Clermont