The amount of cars on the road increases each and every year. This could lead to an increased likelihood of a collision for you and your family. Car insurance can make the difference between a minor inconvenience and a large hassle. How can you determine what insurance you require and how to buy it? Car insurance protects you by paying for damage or injury you inflict on others while driving your car, damage to your vehicle or injury to you or your passengers from a crash, and specific other occurrences, such as robbery. Every state and province mandates car insurance by law. Without insurance, you run the risk of having to pay the total cost of any harm or injury you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Pays for damages due to personal injury and damage to property that you have caused. If you are in legal trouble, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance can be purchased that cover more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated 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. Local government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of coverage, such as emergency road service and car rental, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, such as: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * The place where you live Some drivers think they can get by without auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that fits you best. State Farm Clermont