There are more cars hitting the road every year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can make the difference between a small setback and a large trial. How can you decide what insurance you require and how you can purchase it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Electing to drive without owning 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 will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages can include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. If you are sued, liability insurance will pay for your defense and court costs. Local laws usually require minimum amounts, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. This insurance can also cover lost wages, service replacement and funeral expenses. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive payment for necessary medical and funeral expenses. Collision: Damages that occur from a car accident will be covered under this type of car insurance. Comprehensive: Protect your vehicle from all non-collision damages by purchasing this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in a crash caused by another person who does not have enough liability insurance to cover the total amount of the damages. Other policies, such as emergency road service, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The type of the vehicle you own * 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 auto insurance; you shouldn't drive a car without it. Review your needs, do your research , and with the support of your insurance agency, choose the option that fits you best. State Farm Clermont