The number of cars on the road increases each and every year. With the increasing number of vehicles on the road, accidents can happen. The difference between a small aggravation and major obstacle can be the car insurance you own. How can you decide what insurance you require and how to buy it? Coverage requirements will differ by state/province, but typically include the following: Liability: Pays for expenses due to bodily injury and damage to property that you are responsible for. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws typically mandate minimum 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. It may also cover lost earnings, service replacement and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: This coverage is available in non-no-fault states; it pays despite who carries responsibility for a crash. If this type of coverage has been bought, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Too many drivers are breaking the law by driving a car without purchasing the right amount of insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have enough liability insurance to cover the total cost of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many drivers think they can get by without car 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 agent, make the decision that fits you best. State Farm Agent Clermont