The number of cars and drivers on the road increases every year. With countless vehicles on the road, accidents will happen. The difference between a little bother and major pain can be automobile insurance. But why do you need to own insurance and exactly how much should you buy? 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 car or injury to you or your passengers from a crash, and specific other occurrences, such as burglary. Your state or province certainly requires some type of car insurance. By not purchasing insurance, you run the risk of having to pay the full cost of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. If you are sued, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or your passengers, no matter who was responsible for the collision. It is sometimes called no-fault coverage. It may also pay for lost wages, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person's reasonable medical or funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance protection takes care of all non-collision damages. This could include weather damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't drive a car without it. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. State Farm Agent Clermont