Each year, more automobiles and drivers travel the roads. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a minor setback and a major trial. How can you decide what insurance you need and how to buy it? Auto insurance protects you by paying for damage caused to your car or someone else's car and injury to others, yourself, or passengers in your car, plus certain other incidents, such as theft. Your state or province definitely requires some type of car insurance. By not purchasing insurance, you risk having to pay the full price of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Liability pays for damages due to bodily injury and property damage to others that you are responsible for. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, it also pays your legal fees. Local laws typically mandate standard amounts of liability insurance, but higher 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. Local government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a collision will be paid for under this kind of insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont