There are more drivers hitting the road every year. With so many vehicles on the road, crashes can happen. The difference between a little aggravation and large pain can be the car insurance you have purchased. How can you determine what insurance you need and where you should go to buy it? Car insurance protects you by paying for damage caused to your car or another person's car and injury to other people, yourself, or passengers in your car, plus certain other situations, such as robbery. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This type of insurance coverage can pay for the damage that you have caused. These damages can include bodily injury, and property damage. Bodily injury damages include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. State laws typically mandate minimum amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you or other people in your car, regardless of who was at fault in the collision. It is occasionally referred to as no-fault coverage. This insurance may also cover lost earnings, service replacement and funeral costs. State government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it pays regardless of who may be responsible. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance covers you from those drivers. Other types of coverage, including car rental, are also available. What you pay for auto insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. State Farm Clermont