There are more drivers on the road each year. As this number goes up, the chances of a car collision will also go up. Automobile insurance can be the difference between a small setback and a large trial. How can you decide what type of insurance you require and how to buy it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. Without insurance, you run the risk of having to pay the total price of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: It pays for expenses due to personal injury and damage to property that you are responsible for. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, this type of insurance can pay for your legal fees. Local laws typically require standard amounts, but larger amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance 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. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: Damages resulting from a car accident will be paid for under this kind of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of coverage. This includes protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the proper amount of insurance. This type of coverage will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Other kinds of car insurance, such as emergency road service, are also available. Your auto insurance payments vary by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that best suits you. State Farm Clermont