There are more cars hitting the road every year. As this number increases, the possibility of accidents also increases. Automobile insurance can be the difference between a minor setback and a large hassle. But why do you need to own insurance and exactly how much should you buy? Car insurance protects you by paying for injury or damage you cause others while driving your car, damage to your car or injury to you or your passengers from an accidents, plus specific other incidents, such as robbery. Electing to drive without owning insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of all the damage that you may have caused. Liability: Personal injury and property damage that you are responsible for will be paid for under this type of insurance. Bodily injury damages can include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property and loss of property use. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you or other people in your car, regardless of who was responsible for the crash. It is mandated in some states and optional in others. This insurance may also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. 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 type of coverage is purchased, the insured person will receive payment for all types of medical or funeral expenses. Collision: Pays for damages to your car caused by an accident. Comprehensive: This type of insurance protection covers any non-collision damages. This could include flood damage, vandalism, and robbery. Uninsured Motorist: If you are in an accident with a driver without insurance, this type of insurance coverage will protect you. Under-Insured Motorist: Similar to uninsured motorist protection, this type of insurance covers you from people driving without enough insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you choose * The make and model of the car you own * Your driving record * Your age, sex and marital status * Where you live Many drivers may not want to pay for car insurance, but it is truly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, make the decision that fits you best. State Farm Agent Clermont