Every year, more cars and drivers are on the highways. This could lead to an increased likelihood of a car accident. Automobile insurance can be the difference between a small setback and a large trial. But why is insurance important and just how much do you need? Auto insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, plus certain other occurrences, such as theft. Making the decision to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle and 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 paid for under this type of insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, this type of insurance will pay for your court costs. State laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance can also pay for lost earnings, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from drivers without sufficient insurance protection. Other kinds of car insurance, including car rental, can also be purchased. State Farm Agent Clermont