You will see more and more drivers on the road each year. With the increasing number of vehicles on the road, crashes will happen. If you get in a car wreck, the car insurance you have can make a large difference in how much you have to pay. So how do you know what type of car insurance you need and the quantity you should buy? Mandated coverage varies by state/province but usually includes the following: Liability: It pays for damages due to personal injury and property damage to others for which you are responsible. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are in legal trouble, liability insurance can pay for your legal fees. State laws usually require minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This is required 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, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Pays for damage to your car caused by a collision. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This may include flood damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are ignoring the law by driving without purchasing the proper amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, including car rental, are also available. Your car insurance payments vary 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, sex and marital status * The place where you live Some people think they can get by without car insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. State Farm Clermont