Each year, more automobiles and drivers travel our roads and freeways. This could lead to a higher possibility of a car accident for you and your family. The difference between a small aggravation and large pain can be your insurance. How can you determine what insurance you need and how to buy it? Required coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages can include personal injury, and property damage. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to car repair costs and loss of property use. It can also cover your legal fees if you are sued. Local laws usually require standard amounts of liability insurance, but larger amounts can be purchased and are very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was responsible for the accident. It is commonly referred to as no-fault coverage. It can also pay for lost earnings, service replacement and funeral costs. The minimum amount of this insurance is typically set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay despite who carries responsibility for a crash. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: This pays for damage to your car caused by a collision. Comprehensive: Protect your car from damages from other sources by purchasing this type of insurance. This includes protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other policies, such as car rental and emergency road service, are also available. Your car insurance payments vary by company and will depend on several factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, research your options, and with the guidance of your insurance agency, make the decision that fits you best. State Farm Agent Clermont