Each year, more automobiles and drivers travel the roads. This can lead to a higher possibility of a collision. Automobile insurance can be the difference between a small inconvenience and a major hassle. But why do you need insurance and just how much do you need? Auto insurance protects you by covering the cost of damage or injury you cause others while you are driving, damage to your car or injury to you or your passengers from an accidents, plus certain other incidents, such as robbery. Without insurance, you risk having to pay the full price of any harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Pays for expenses due to bodily injury and damage to property that you are responsible for. It can also cover your defense and court costs if you are sued. Local laws typically require minimum amounts of liability insurance, but larger amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, no matter who was at fault in the accident. It is mandated in some states and optional in others. The minimum amount of personal injury protection is usually set by the state. 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 and funeral costs. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Cover your car from all non-collision damages by purchasing this type of insurance. This includes protection from robbery, vandalism, and weather damage. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the right amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: This pays for damages when an insured person is in a crash caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other varieties of coverage can also be purchased. State Farm Agent Clermont