There are more cars and drivers on the road each year. With countless vehicles on the road, crashes will happen. The difference between a small aggravation and large pain can be car insurance. How can you decide what insurance you need and how you can purchase it? Insurance requirements will differ by state/province, but typically include the following: Liability: Bodily injury and property damage that you are responsible for will be covered under liability insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. If you are sued, it also pays your legal fees. Local laws typically require standard amounts, but higher amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, no matter who was responsible for the accident. It is mandated in some states and optional in others. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance protection takes care of all non-collision damages. This could include fire damage, vandalism, and theft. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Other types of coverage, such as emergency road service, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. State Farm Agent Clermont