You will see more drivers on the road every year. This can lead to an increased likelihood of a car accident. If you get in a car crash, the auto insurance you have can make a large difference in the experience you have. So how do you know what type of car insurance you need and the quantity you should buy? Coverage requirements vary by state/province, but usually include the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. If you are in legal trouble, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This is required 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 may also pay for 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 is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this type of coverage is purchased, the insured person will receive payment for necessary medical or funeral expenses. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from damages from other sources when you buy this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: There are other drivers who have liability insurance that can't pay for all the expenses they are responsible for. Under-insured motorist coverage covers you in accidents involving those drivers. Other types of coverage, like car rental, can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: * Which policies you select * The make and model of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Some drivers may not want to pay for auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, do your research , and with the help of your insurance agent, make the decision that fits you best. State Farm Clermont