Each year, more automobiles and drivers travel the roads. With so many vehicles on the road, crashes can happen. Automobile insurance can make the difference between a small inconvenience and a large trial. So how can you find out what insurance you need and how much to purchase? Your car 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 any harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Pays for the expenses you have caused to others in a car collision, including property damage and injury. If you are in legal trouble, it also pays your legal fees. Local laws usually require standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. 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. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, like car rental, can also be purchased. State Farm Clermont