The number of cars on the road increases every year. With the increasing number of vehicles on the road, crashes will happen. The difference between a little aggravation and major pain can be the car insurance you own. So how do you know what insurance you need and how much you should buy? Mandated coverage varies based on the state/province but typically includes the following: Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. It can also cover your legal fees if you are sued. Recommended, higher levels of liability insurance are available that cover more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the accident. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay no matter who is responsible for the accident. If this policy has been bought, the insured person will receive payment for all types of medical and funeral costs. Collision: This pays for damage to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without enough insurance protection. Other policies, like car rental, are also available. Your car insurance payments vary by company and will depend on multiple factors, including: * Which policies you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, research your options, and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont