There are more drivers on the road each year. This could lead to a higher possibility of a car accident. Automobile insurance can be the difference between a small setback and a large hassle. How can you decide what type of insurance you require and where you should go to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Without insurance, you run the risk of having to pay the total price of the harm or injury you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is occasionally called no-fault coverage. The minimum amount of this insurance is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay despite who may be responsible. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from a crash. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without owning the proper amount of insurance. This type of coverage will cover you if you are in a collision with one of these drivers. Under-Insured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Other types of car insurance, such as emergency road service, are also available. State Farm Clermont