Each year, more automobiles and drivers hit America's roads. As this number goes up, the chances of a car wreck will also go up. If you get in a car wreck, the auto insurance you own can make a big difference in what happens next. How can you decide what insurance you need and how you can purchase it? Insurance requirements vary by state/province, but typically include the following: Liability: Personal injury and property damage that you have caused will be paid for under liability insurance. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. If you are sued, it also pays your legal fees. State laws typically mandate standard amounts, but higher amounts are available and very beneficial. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. State law typically sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. All reasonable medical or funeral expenses will be paid for under this type of coverage. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (typically a hit-and-run driver). Under-Insured Motorist: This pays for damages when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other kinds of car insurance, like emergency road service and car rental, are also available. Your auto insurance payments varies based on the company and will depend on several factors, such as: * What coverage you choose * The type of the vehicle you own * Your driving record * Your age, gender and marital status * Where you live Many people consider auto insurance to be a necessary evil, but it can save you from a financial crisis. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont