You will see more and more cars on the road every year. As this number goes up, the possibility of accidents also goes up. The difference between a small bother and major pain can be car insurance. So how do you know what insurance you need and the quantity you should purchase? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. By not owning insurance, you risk having to pay the full price of any harm you cause others. Liability: Personal injury and property damage that you have caused will be paid for under this type of insurance. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws usually mandate standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: This is required 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. This insurance may also cover lost wages, service replacement and funeral expenses. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may have been at fault. If you purchase this type of coverage, you will receive payment for necessary medical and funeral expenses. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance covers you in accidents involving those drivers. Other policies, including car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, such as: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, gender and marital status * The place where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial dilemma. Review your needs, research your options, and with the help of your insurance agent, make the decision that best suits you. State Farm Clermont