Every year, more automobiles and drivers are on the highways. This can lead to a higher possibility of a car accident. The difference between a small aggravation and large obstacle can be your car insurance. How can you decide what insurance you need and how to buy it? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to legal fees. By not owning insurance, you run the risk of having to pay the full price of the harm you cause others. Liability: Liability pays for the expenses you have caused to others in a car collision, including property damage and injury. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for the medical treatment for you and your passengers, regardless of who was responsible for the crash. It is required in some states and optional in others. It can also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it pays despite who carries responsibility for a crash. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a car accident will be covered under this type of insurance. Comprehensive: This type of insurance protection covers any non-collision damages. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: If you are hit by an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people may not want to pay for auto insurance, but it is truly something you don't want to live without. Evaluate your needs, do your research , and with the guidance of your insurance agency, choose the option that fits you best. State Farm Agent Clermont