The number of cars on the road increases every year. With so many vehicles on the road, accidents are going to happen. If you get in a car accident, the auto insurance you have can make a large difference in how much you have to pay. So how can you figure out what insurance you need and how much you should buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Deciding to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle and pay the cost of all the damage for which you might be responsible. Liability: Liability pays for the expenses you are responsible for in a car collision, including property damage and injury. It also covers your legal fees if you are sued. State laws typically mandate minimum amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury insurance is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost wages, service replacement and funeral costs. State law typically sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. If this policy has been purchased, the insured person will receive coverage for necessary medical and funeral costs. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by causes other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by a driver who does not have the right amount of insurance to pay for the full cost of the damages. Other types of car insurance, such as emergency road service, are also available. State Farm Agent Clermont