There are more drivers hitting the road every year. This can lead to an increased likelihood of a car accident. Car insurance can be the difference between a minor inconvenience and a large hassle. How can you decide what type of insurance you need and where you should go to buy it? Car crashes can lead to a variety of different expenses, which your car insurance might be able to pay for based on the insurance policy you own. Deciding to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage that you may have caused. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes damaged property or loss of use of property. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. State government typically sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a collision. If this type of coverage has been bought, the insured person will receive payment for reasonable medical and funeral costs. Collision: Pays for damages to your car caused by an accident. Comprehensive: This type of insurance covers any non-collision damages. This could include flood damage, vandalism, and theft. Uninsured Motorist: Many drivers are breaking the law by driving a car without owning the right amount of insurance. This type of coverage will protect you if one of these drivers hit you. 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, including car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. State Farm Clermont