Every year, more cars and drivers hit the highways. With so many vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much should you get? Car insurance provides you with protection from paying for damage caused to your vehicle or another person's vehicle and injury to other people, yourself, or your passengers, plus certain other occurrences, such as theft. Making the decision to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: This type of insurance coverage will pay for the damage that you have caused. These damages can include bodily injury, and property damage. If you are in legal trouble, it also pays your legal fees. Recommended, higher levels of insurance are available that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is required 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who may be responsible. This insurance will pay for all insured person's necessary medical and funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be paid for under this type of car insurance. Comprehensive: This type of insurance protection takes care of all damages not caused by a collision. This could include weather damage, vandalism, and theft. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: This pays for damages when an insured person is in an accident caused by another person who does not have the right amount of insurance to pay for the full cost of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont