The number of drivers on the road increases each and every year. This could lead to a higher possibility of a collision for you and your family. Car insurance can make the difference between a minor setback and a major hassle. How can you decide what insurance you require and how you can purchase it? Your car insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. Electing to drive without insurance could mean you have to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages may include personal injury, and property damage. If you are in legal trouble, liability insurance can pay for your court costs. Local laws usually require standard amounts of liability insurance, but larger amounts are available and usually recommended. Personal Injury Protection: This type of insurance pays for all medical treatment for you or your passengers, no matter who was at fault in the crash. It is required in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. If this policy is bought, the insured person will receive coverage for all types of medical or funeral costs. Collision: Damages that occur from a collision will be paid for under this kind of car insurance. Comprehensive: This kind of insurance takes care of any damages not caused by a collision. This may include flood damage, vandalism, and robbery. Uninsured Motorist: Pays for damages when someone with insurance is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies based on the 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, sex and marital status * The place where you live Don't procrastinate buying auto insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. State Farm Clermont