The number of cars on the road increases every year. This could lead to an increased likelihood of a collision for you and your family. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. So how do you know which type of insurance you need and how much you should buy? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you own. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Pays for the expenses you are responsible for in a car accident, including injury and property damage. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws typically mandate standard amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is required 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. It may also cover lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for damages when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in a crash caused by a driver who does not have enough liability insurance to cover the full amount of the damages. Other types of car insurance, such as emergency road service and car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Some have consider auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. State Farm Clermont