Every year, more automobiles and drivers travel the highways. With countless vehicles on the road, crashes will happen. The difference between a little bother and major obstacle can be automobile insurance. So how can you find out what insurance you need and how much to purchase? Mandated coverage varies by state/province but typically includes the following: Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. It can also cover your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the collision. It is commonly referred to as no-fault coverage. This insurance can also pay for lost wages, service replacement and funeral expenses. Local government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for an insured person's reasonable and necessary medical and funeral expenses resulting from a crash. Collision: Pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is injured in a crash caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Many drivers have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of car insurance, like emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. State Farm Agent Clermont