Each year, more cars and drivers hit the roads. This could lead to a higher possibility of a collision. Car insurance can be the difference between a minor setback and a large trial. So how do you know what type of car insurance you need and how much to buy? Car insurance protects you by paying for injury or damage you inflict on others while driving your car, damage to your car or personal injury or injury to your passengers from a crash, and specific other situations, such as theft. Choosing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Liability pays for expenses due to personal injury and property damage to others that you are responsible for. It can also cover your legal fees if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This 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 typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive payment for all types of medical or funeral costs. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, like car rental, are also available. What you pay for car insurance varies by company and will depend on multiple factors, such as: * What coverage you select * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that fits you best. State Farm Agent Clermont