There are more drivers hitting the road every year. This could lead to an increased likelihood of a car accident for you and your family. Automobile insurance can make the difference between a minor inconvenience and a large trial. How can you determine what insurance you require and how to buy it? Car crashes can result in many different expenses, which can all be paid for based on the type of insurance you own. No matter where you live, you will need to buy some type of car insurance. By not owning 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: Bodily injury and property damage that you have caused will be paid for under liability insurance. It also covers your legal fees if you are sued. State laws usually mandate minimum amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It can also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is typically set by the state. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive coverage for reasonable medical or funeral expenses. Collision: Damages that occur from a car accident will be paid for under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. State Farm Clermont