The number of drivers on the road increases each year. As this number goes up, the chances of a car wreck will also increase. If you get in a car accident, the auto insurance you own can make a big difference in how much you have to pay. But why do you need to own insurance and just how much should you buy? Car crashes can lead to many different expenses, which can all be paid for based on the type of coverage you have purchased. Without insurance, you risk having to pay the total cost of any harm you cause others or to repair or replace your car if it is damaged or stolen. Liability: It pays for expenses due to bodily injury and property damage to others that you have caused. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. It can also cover your defense and court costs if you are sued. State laws usually mandate standard amounts of liability insurance, but larger amounts can be purchased and are extremely helpful. 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. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay regardless of who carries responsibility for a crash. If this policy is bought, the insured person will receive payment for reasonable medical and funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: This applies if your car is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Just like uninsured motorist protection, this type of insurance protects you against people driving without sufficient insurance coverage. Other kinds of coverage, like emergency road service and car rental, can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * The place where you live Some drivers think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. State Farm Agent Clermont