There are more cars and drivers on the road every year. This could lead to a higher possibility of a car accident for you and your family. Car insurance can be the difference between a small inconvenience and a large hassle. How can you determine what insurance you need and how to buy it? Car crashes can lead to many different expenses, which can all be paid for based on the insurance policy you own. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Pays for the expenses you are responsible for in a car accident, including property damage and injury. Damages from bodily injury include medical expenses, and lost wages. Property damage includes damaged property or loss of property use. If you are sued, this type of insurance can pay for your court costs. State laws usually mandate minimum amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the crash. It is mandated in some states and optional in others. It can also pay for lost earnings, service replacement and funeral costs. State government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for a collision. All reasonable medical or funeral expenses will be covered under this type of coverage. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when an insured person is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against people driving without enough insurance coverage. Other kinds of coverage, including emergency road service and car rental, are also available. Your car insurance payments vary by company and will depend on several factors, such as: * What coverage you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. State Farm Agent Clermont