There are more cars and drivers hitting the road every year. With so many vehicles on the road, accidents can happen. The difference between a small aggravation and major pain can be car insurance. So how do you know which type of insurance you need and how much you should buy? Insurance requirements will differ by state/province, but typically include the following: Liability: It pays for the expenses you are responsible for in a car collision, including injury and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property or loss of property use. If you are in legal trouble, it also pays your court costs. Recommended, higher levels of liability insurance are available that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance can also cover lost wages, service replacement and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a collision. If you buy this type of coverage, you will receive payment for necessary medical and funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This type of insurance takes care of all damages not caused by a collision. This may include flood damage, vandalism, and theft. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by a driver who does not have insurance. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Emergency road service, car rental, and other varieties of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: * Which policies you select * The make and model of the vehicle you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some have consider auto insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. State Farm Agent Clermont