There are more drivers hitting the road every year. As this number goes up, the chances of a car collision will also increase. Automobile insurance can be the difference between a minor setback and a major trial. So how can you figure out which type of insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. It can also pay for lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a car accident will be covered under this type of insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the proper amount of car insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Other kinds of coverage, such as emergency road service and car rental, are also available. What you pay for car insurance varies by company and will depend on several factors, including: * Which policies you select * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. State Farm Agent Clermont