Every year, more automobiles and drivers travel America's roads. With the increasing number of vehicles on the road, accidents will happen. Car insurance can make the difference between a small inconvenience and a major trial. So how can you figure out which type of insurance you need and how much to buy? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Your state or province certainly mandates some type of car insurance. Choosing to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages might include bodily injury, and property damage. If you are sued, it also pays your legal fees. Local laws typically mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. This insurance can also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection 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 covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance takes care of all damages not caused by a collision. This may include hail damage, vandalism, and robbery. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance covers you from people driving without enough insurance coverage. Other policies, such as car rental, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. State Farm Clermont