The amount of cars and drivers on the road increases every year. This could lead to an increased likelihood of a collision for you and your family. The difference between a small aggravation and major pain can be car insurance. How can you decide what insurance you need and how you can buy it? Car crashes can result in many different expenses, which can all be paid for based on the insurance policy you own. By not owning insurance, you risk having to pay the full cost of any harm you cause others. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. Damages from bodily injury include medical fees, and lost wages. Property damage includes car repair costs or loss of use of property. If you are in legal trouble, liability insurance can pay for your legal fees. Recommended, higher levels of insurance are available that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and your passengers, regardless of who was at fault in the collision. It is required in some states and optional in others. Local government 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 coverage. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance protects you against drivers without sufficient insurance coverage. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Clermont