Each year, more cars and drivers travel the highways. This could lead to a higher possibility of a car accident. The difference between a small bother and major obstacle can be automobile insurance. But why do you need insurance and just how much do you need? Auto insurance protects you by paying for damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or passengers in your car, plus certain other situations, such as robbery. Car insurance is mandated by law in all states and provinces. By not purchasing insurance, you risk having to pay the total cost of any harm you cause others or of repairing or replacing your vehicle if it is damaged or stolen. Liability: It pays for expenses due to personal injury and property damage to others that you have caused. It also covers your legal fees if you are sued. Local laws usually mandate minimum amounts, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. It may also cover lost wages, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased 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 coverage. Collision: Damages resulting from a car accident will be covered under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people think of auto insurance as a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. State Farm Agent Clermont