You will see more and more cars on the road each year. With the increasing number of vehicles on the road, crashes can happen. The difference between a little aggravation and major pain can be the car insurance you own. How can you determine what type of insurance you need and where you should go to buy it? Car insurance provides you with protection from paying for damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or passengers in your car, and certain other occurrences, such as burglary. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are in legal trouble, liability insurance will pay for your court costs. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: This is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance can also pay for lost earnings, replacement of services and funeral costs. Local law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for an accident. If this type of coverage is purchased, the insured person will receive payment for necessary medical or funeral costs. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This can include protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of coverage, like car rental and emergency road service, are also available. State Farm Agent Clermont