We see more cars on the road each year. As this number goes up, the possibility of accidents also goes up. Automobile insurance can be the difference between a minor setback and a major hassle. So how can you find out what insurance you need and the quantity you should purchase? Required coverage varies by state/province but usually includes the following: Liability: It pays for damages due to bodily injury and damage to property when you are responsible. If you are in legal trouble, it also pays your court costs. Local laws usually require standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the collision. It is sometimes called no-fault coverage. It can also cover lost wages, replacement of services and funeral expenses. 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 and will pay no matter who is responsible for the accident. All necessary medical or funeral expenses will be covered under this type of policy. Collision: Damages resulting from a collision will be covered under this type of insurance. Comprehensive: Cover your car from damages from other sources when you buy this type of insurance. This can include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when an insured person is in a crash caused by another person who does not have liability insurance or by a hit-and-run driver. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance protects you against people driving without sufficient insurance protection. Other kinds of coverage, including emergency road service and car rental, can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you select * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don't wait around to buy car insurance; you should never drive a car without it. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. State Farm Clermont