There are more cars and drivers on the road each year. With the increasing number of vehicles on the road, accidents can happen. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. How can you decide what insurance you require and where you should go to buy it? Car insurance protects you by covering the cost of injury or damage you inflict on others while you are driving, damage to your car or injury to you or your passengers from a crash, plus specific other situations, such as theft. By not purchasing insurance, you risk having to pay the full price of any harm you cause others. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the collision. It is sometimes called no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: This 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: This pays for collision expenses when an insured person is injured in an accident caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies by company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have consider car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the support of your insurance agency, choose the option that best suits you. State Farm Agent Clermont