Every year, more drivers hit the highways. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a minor inconvenience and a major trial. How can you determine what insurance you need and how you can buy it? Your insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Without insurance, you run the risk of having to pay the full cost of the harm you cause others. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Bodily injury damages can include medical fees, and lost wages. Property damage includes damaged property or loss of use of property. If you are sued, this type of insurance will pay for your defense and court costs. Local laws typically require minimum amounts of liability insurance, but larger amounts are available and usually recommended. 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: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. It pays for an insured person's reasonable medical and funeral expenses resulting from an accident. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of coverage. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without having the proper amount of car insurance. This type of coverage will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when an insured person is in a crash caused by another person who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you select * The make and model of the car you own * Your driving record * Your age, sex and marital status * Where you live Don't wait around to buy auto insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. State Farm Agent Clermont