There are more cars and drivers hitting the road each year. With so many vehicles on the road, accidents are going to happen. The difference between a small bother and large pain can be your car insurance. But why do you need insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Your state or province certainly mandates some type of car insurance. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: It pays for the expenses you have caused to others in a car collision, including property damage and injury. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or other people in your car, no matter who was responsible for the accident. It is sometimes referred to as no-fault coverage. State government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a collision. If this type of coverage has been bought, the insured person will receive coverage for reasonable medical or funeral costs. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection covers all non-collision damages. This could include flood damage, vandalism, and burglary. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some have consider auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. State Farm Clermont