Every year, more cars travel America's roads. With countless vehicles on the road, crashes can happen. Automobile insurance can make the difference between a small inconvenience and a major hassle. How can you decide what insurance you require and how to buy it? Mandated coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, no matter who was responsible for the collision. It is required in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who may be responsible. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for damages when a driver with insurance is in an accident caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Other types of car insurance, like car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * What coverage you select * The make and model of the car you own * Your driving record * Your age, gender and marital status * The place where you live Some people may not want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agency, make the decision that fits you best. State Farm Clermont