Every year, more cars and drivers are on the highways. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you own can make a large difference in how much you have to pay. So how can you find out what insurance you need and the quantity you should buy? Required coverage varies by state/province but typically includes the following: Liability: Pays for the expenses you have caused to others in a car accident, including property damage and injury. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. 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. It can also pay for lost earnings, replacement of services and funeral costs. State government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may have been at fault. If you buy this type of coverage, you will receive coverage for all types of medical or funeral costs. Collision: Pays for damage to your car caused by an accident. Comprehensive: This type of insurance protection takes care of any non-collision damages. This may include weather damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving without owning the right amount of car insurance. This insurance will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the total cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you should never be on the road without it. Review your needs, do your research , and with the help of your insurance agent, choose the option that fits you best. State Farm Agent Clermont