Every year, more automobiles and drivers hit the highways. As this number increases, the possibility of accidents also increases. If you get in a car accident, the auto insurance you have can make a big difference in how much you have to pay. But why do you need insurance and exactly how much should you purchase? Coverage requirements vary by state/province, but typically include the following: Liability: It pays for the expenses you have caused to others in a car collision, including injury and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. If you are in legal trouble, this type of insurance can pay for your court costs. Recommended, higher levels of liability insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is sometimes called no-fault coverage. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's necessary medical or funeral expenses for bodily injury from a crash. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This kind of insurance covers any non-collision damages. This may include fire and wind damage, vandalism, and burglary. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are responsible for. This type of insurance protects you from those drivers. Emergency road service, car rental, and other varieties of car insurance can also be purchased. What you pay for auto insurance varies based on the company and will depend on multiple factors, including: * What coverage you select * The make and model of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Some people have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, do your research , and with the support of your insurance agency, make the decision that fits you best. State Farm Agent Clermont