The amount of cars and drivers on the road increases each year. As this number increases, the possibility of accidents also increases. The difference between a little bother and major pain can be your insurance. So how do you know what insurance you need and how much to buy? Car insurance provides you with protection from 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 occurrences, such as burglary. Your state or province definitely requires some type of car insurance. Without insurance, you risk having to pay the total cost of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Liability: Liability pays for the expenses you are responsible for in a car collision, including injury and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the accident. It is sometimes called no-fault coverage. It may also cover lost earnings, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from damages from other sources when you buy this type of coverage. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, including emergency road service and car rental, can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial fiasco. Review your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. State Farm Agent Clermont