You will see more cars on the road every year. As this number increases, the possibility of accidents also increases. Automobile insurance can make the difference between a minor setback and a large hassle. How can you decide what type of insurance you need and how to buy it? Mandated coverage varies based on the state/province but usually includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs or loss of property use. If you are sued, liability insurance can pay for your defense and court costs. Local laws usually mandate minimum amounts of liability insurance, but larger amounts are available and extremely helpful. 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. This insurance may also cover lost earnings, service replacement and funeral costs. Local government usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it pays despite who may be responsible. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are breaking the law by driving a car without purchasing the right amount of insurance. This insurance will protect you if you are in an accident with one of these 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. Other types of coverage, like emergency road service, can also be purchased. What you pay for car insurance varies based on the 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 * Where you live Many people 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 help of your insurance agency, make the decision that fits you best. State Farm Clermont