There are more drivers hitting the road every year. As this number increases, the possibility of accidents also increases. If you get in a car wreck, the auto insurance you have can make a large difference in how much you have to pay. But why is insurance important and just how much do you need? Auto insurance provides you with protection from covering the cost of damage or injury you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from an accidents, and specific other situations, such as burglary. By not purchasing insurance, you risk having to pay the total cost of any harm or injury you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: This kind of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are in legal trouble, it also pays your defense and court costs. Local laws typically require minimum amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was responsible for the crash. It is sometimes referred to as no-fault coverage. This insurance can also pay for lost earnings, replacement of services and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay 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 collision will be paid for under this kind of insurance. Comprehensive: This kind of insurance protection takes care of any damages not caused by a collision. This could include flood damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the right amount of auto insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Agent Clermont