There are more cars and drivers on the road each year. As this number goes up, the possibility of accidents also goes up. If you get in a car crash, the car insurance you own can make a big difference in how much you have to pay. So how do you know what insurance you need and how much you should buy? Car insurance provides you with protection from paying for damage or injury you inflict on others while driving your car, damage to your car or injury to you or your passengers from an accidents, and certain other situations, such as robbery. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: Pays for expenses due to bodily injury and property damage to others that you have caused. Damages from bodily injury include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It can also cover your defense and court costs if you are sued. State laws typically require minimum amounts, but higher amounts can be purchased and are very beneficial. Personal Injury Protection: This type of insurance pays for the 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. State government typically sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may be responsible. If you buy this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: This applies if your car is stolen or damaged by causes other than a wreck, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance coverage. Other policies, such as emergency road service, are also available. What you pay for car insurance varies by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't wait around to buy car insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont