There are more cars and drivers on the road each year. With so many vehicles on the road, accidents will happen. The difference between a little aggravation and large obstacle can be car insurance. How can you determine what insurance you need and how to purchase it? Insurance requirements will differ by state/province, but usually include the following: Liability: Liability pays for the expenses you are responsible for in a car accident, including injury and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are in legal trouble, liability insurance will pay for your court costs. Local laws usually mandate minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also pay for lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a car accident will be paid for under this type of insurance. Comprehensive: This type of insurance protection takes care of any damages not caused by a collision. This may include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will protect you. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. This type of insurance covers you in accidents involving those drivers. Other types of car insurance, including car rental, can also be purchased. What you pay for auto insurance varies based on the company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. State Farm Agent Clermont