Each year, more automobiles and drivers hit the highways. As this number increases, the chances of a car wreck will also go up. Car insurance can be the difference between a minor inconvenience and a major trial. So how do you know what insurance you need and how much to buy? Car accidents can lead to a variety of different expenses, which can all be paid for based on the insurance policy you own. Choosing 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. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the crash. It is commonly called no-fault coverage. It can also pay for lost earnings, service replacement and funeral costs. State law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. If this policy has been bought, the insured person will receive payment for reasonable medical or funeral costs. Collision: Damages that occur from a car accident will be paid for under this type of car insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include fire damage, vandalism, and robbery. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without enough insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some people have consider auto insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, research your options, and with the help of your insurance agent, make the decision that fits you best. State Farm Agent Clermont