Every year, more cars and drivers hit the highways. With the increasing number of vehicles on the road, accidents will happen. The difference between a little aggravation and major obstacle can be the car insurance you have purchased. So how do you know what insurance you need and how much you should buy? Required coverage varies based on the state/province but usually includes the following: Liability: This type of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages can include medical fees, and lost wages. Property damage can refer to car repair costs or loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you and other people in your car, regardless of who was at fault in the crash. It is required in some states and optional in others. It can also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by local government. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it will pay regardless of who may have been at fault. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This type of insurance covers any damages not caused by a collision. This may include weather damage, vandalism, and burglary. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without owning the proper amount of auto insurance. This type of coverage will protect you if one of these irresponsible drivers hit you. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against drivers without sufficient insurance protection. Other types of coverage, like emergency road service and car rental, can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Some drivers think they can get by without car insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you. State Farm Clermont