Every year, more automobiles and drivers travel the highways. With the increasing number of vehicles on the road, crashes can happen. If you get in a car accident, the car insurance you own can make a big difference in what happens next. So how can you figure out what insurance you need and how much you should buy? Car insurance provides you with protection from covering the cost of injury or damage you cause others while driving your car, damage to your vehicle or injury to you or your passengers from an accidents, and certain other situations, such as robbery. Your state or province definitely requires some type of car insurance. Without insurance, you risk having to pay the total price of the harm you cause others. Liability: This kind of insurance can pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. If you are sued, it also pays your legal fees. State laws usually require minimum amounts, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may have been at fault. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Thousands of drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This insurance will protect you if you are in a collision with one of these drivers. 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 from those drivers. Other kinds of coverage, including car rental, can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, including: * What coverage you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, research your options, and with the help of your insurance agent, choose the option that best suits you. State Farm Agent Clermont