There are more drivers hitting the road every year. As this number goes up, the chances of a car collision will also increase. Automobile insurance can be the difference between a minor inconvenience and a large trial. So how can you find out what insurance you need and how much to purchase? Required coverage varies by state/province but usually includes the following: Liability: Pays for expenses due to personal injury and damage to property that you are responsible for. If you are sued, liability insurance can pay for your defense and court costs. Recommended, higher levels of insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. If you purchase this type of coverage, you will receive payment for reasonable medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this kind of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This type of coverage will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of car insurance, like car rental, are also available. What you pay for car insurance varies by company and will depend on multiple factors, such as: * What coverage you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont