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The number of drivers on the road increases each year. This could lead to a higher possibility of a car accident for you and your family. Automobile insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you buy? Auto insurance provides you with protection from paying for damage or injury you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, and certain other incidents, such as burglary. Car insurance is mandated by law in all states and provinces. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage for which you might be responsible. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property or loss of use of property. If you are sued, liability insurance can pay for your defense and court costs. State laws typically mandate minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is mandated in some states and optional in others. 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. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: This pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of coverage. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are ignoring the law by driving without owning the right amount of car insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of coverage, like car rental, can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. State Farm Clermont

Every year, more cars and drivers are on the highways. With the increasing number of vehicles on the road, crashes can happen. Automobile insurance can be the difference between a minor setback and a major trial. But why is insurance required by law and just how much do you need? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under liability insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Local laws usually 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. The minimum amount of this insurance is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it pays regardless of who may have been at fault. All reasonable medical or funeral expenses will be paid for under this type of policy. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of car insurance. This insurance will cover you if one of these irresponsible drivers hit you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other policies, like car rental, are also available. State Farm Clermont