There are more cars and drivers hitting the road each year. As this number increases, the chances of a car wreck will also go up. If you get in a car accident, the auto insurance you own can make a large difference in the experience you have. So how do you know what type of car insurance you need and the quantity you should buy? Insurance requirements will differ by state/province, but usually include the following: Liability: It pays for damages due to bodily injury and damage to property that you are responsible for. It can also cover your legal fees if you are sued. Local laws usually mandate minimum amounts, but larger amounts are available and usually recommended. Personal Injury Protection: This is required 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 the state. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who carries responsibility for a collision. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without enough insurance coverage. Other types of coverage, such as emergency road service and car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The type of the car you own * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying auto insurance; you should never be on the road without it. Review your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. State Farm Agent Clermont