There are more cars and drivers on the road each year. With countless vehicles on the road, accidents can happen. If you get in a car accident, the auto insurance you own can make a large difference in what happens next. So how do you know which type of insurance you need and how much to buy? Required coverage varies by state/province but typically includes the following: Liability: It pays for expenses due to bodily injury and damage to property for which you are responsible. Damages from bodily injury can include medical fees, lost wages, and pain and suffering. Property damage includes car repair costs and loss of use of property. It also covers your defense and court costs if you are sued. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and other people in your car, regardless of who was at fault in the collision. It is required in some states and optional in others. State law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays regardless of who carries responsibility for a crash. All necessary medical or funeral expenses will be paid for under this type of coverage. Collision: Damages that occur from a collision will be paid for under this type of insurance. Comprehensive: This type of insurance covers all damages not caused by a collision. This may include weather damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to cover the full amount of the damages. Other types of coverage, such as car rental and emergency road service, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial crisis. Evaluate your needs, do your research , and with the guidance of your insurance agent, choose the option that fits you best. State Farm Agent Clermont