There are more cars hitting the road each year. As this number increases, the possibility of accidents also increases. If you get in a car accident, the car insurance you have can make a big difference in the experience you have. But why do you need insurance and just how much do you need? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include personal injury, and property damage. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and your passengers, regardless of who was responsible for the crash. It is mandated in some states and optional in others. This insurance can also cover lost wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Applies if your car is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by a driver who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. State Farm Agent Clermont