Each year, more cars and drivers travel the roads. As this number goes up, the possibility of accidents also goes up. If you get in a car accident, the auto insurance you have can make a big difference in the experience you have. But why is insurance required by law and just how much should you buy? Car insurance provides you with protection from covering the cost of damage or injury you cause others while driving your car, damage to your car or injury to you or your passengers from an accidents, and specific other situations, such as theft. Every state or province requires car insurance by law. Choosing to drive without owning 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: It pays for the expenses you are responsible for in a car collision, including property damage and injury. If you are sued, it also pays your court costs. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated varieties. Personal Injury Protection: This 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. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for necessary medical and funeral expenses. Collision: Damages that occur from a car accident will be paid for under this type of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. 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 protect you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to cover the full cost of the damages. Other types of coverage, including car rental, are also available. State Farm Agent Clermont