There are more cars and drivers hitting the road every year. As this number increases, the chances of a car collision will also increase. If you get in a car wreck, the auto insurance you have can make a big difference in the experience you have. How can you determine what type of insurance you require and where you should go to buy it? Car insurance protects you by paying for injury or damage you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from an accidents, and certain other incidents, such as burglary. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. Local laws typically require minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance 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. It can also pay for lost wages, replacement of services and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. It pays for an insured person's reasonable medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance protects you against drivers without enough insurance protection. Other types of car insurance, including emergency road service and car rental, can also be purchased. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * Which policies you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. State Farm Clermont