Each year, more automobiles and drivers travel the roads. As this number increases, the possibility of accidents also increases. The difference between a small bother and major obstacle can be your car insurance. How can you determine what insurance you need and how to buy it? Your insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Your state or province definitely requires some type of car insurance. By not purchasing insurance, you risk having to pay the total price of the harm or injury you cause others. Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. It also covers your legal fees if you are sued. Local laws typically require standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this type of coverage has been purchased, the insured person will receive payment for reasonable medical and funeral costs. Collision: Pays for damage to your car caused by an accident. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance covers you from people driving without sufficient insurance protection. Other policies, including emergency road service, are also available. State Farm Clermont