There are more cars hitting the road each year. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the auto insurance you have can make a large difference in what happens next. How can you determine what insurance you require and how you can buy it? Auto insurance provides you with protection from paying for damage caused to your car or someone else's car and injury to others, yourself, or your passengers, plus certain other incidents, such as theft. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. If you are sued, it also pays your defense and court costs. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is required in some states and optional in others. It can also cover lost earnings, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damages to your car caused by a collision. Comprehensive: This type of insurance covers all damages not caused by a collision. This could include flood damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving a car without having the right amount of insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments varies based on the company and will depend on several factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. State Farm Clermont