There are more cars and drivers hitting the road every year. With countless vehicles on the road, accidents will happen. If you get in a car crash, the car insurance you have can make a big difference in how much you have to pay. How can you determine what insurance you require and where you should go to buy it? Car accidents can lead to many different expenses, which your insurance might be able to pay for based on the type of insurance you have purchased. 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 type of insurance coverage 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 includes car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. It may also cover lost earnings, replacement of services and funeral expenses. State government 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 collision. This insurance will pay for an insured person's reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Too many drivers are breaking the law by driving without having the proper amount of car insurance. This insurance will protect you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is in an accident caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Other types of car insurance, like emergency road service, are also available. State Farm Agent Clermont