Every year, more automobiles and drivers travel the highways. With so many vehicles on the road, crashes will happen. The difference between a little bother and large obstacle can be your car insurance. But why is insurance required by law and just how much should you get? Car crashes can result in many different expenses, which your car insurance can pay for based on the type of insurance you have purchased. Without insurance, you risk having to pay the full cost of the harm or injury you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under liability insurance. If you are in legal trouble, it also pays your court costs. Local laws typically mandate standard amounts of liability insurance, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If this policy is bought, the insured person will receive payment for reasonable medical or funeral expenses. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by another person who does not have liability insurance or by a driver who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from drivers without sufficient insurance coverage. Other types of coverage, such as emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on several factors, including: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can save you from a financial fiasco. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. State Farm Clermont