Each year, more cars and drivers travel our roads and freeways. This can lead to an increased likelihood of a collision for you and your family. The difference between a little aggravation and major pain can be the car insurance you own. So how can you figure out what insurance you need and how much to buy? Mandated coverage varies by state/province but usually includes the following: Liability: This type of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. It can also cover your defense and court costs if you are sued. Local laws usually require standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or your passengers, regardless of who was at fault in the collision. It is occasionally called no-fault coverage. Local law usually 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. It pays for all insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: This pays for repair and replacement costs 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: This pays for collision expenses when an insured person is injured in an accident caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Other types of coverage, like car rental, can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't procrastinate buying car insurance; you should never drive a car without it. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. State Farm Agent Clermont