There are more cars on the road each year. This could lead to an increased likelihood of a collision. Automobile insurance can make the difference between a small inconvenience and a major hassle. So how do you know what type of car insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, liability insurance can pay for your court costs. State laws typically require standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated 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. The minimum amount of this insurance is typically set by local government. 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 insurance policy. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without enough insurance protection. Other types of coverage, including car rental, can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: * Which policies you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Don't wait around to buy car insurance; you should never drive a car without it. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. State Farm Clermont