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There are more cars and drivers on the road each year. This can lead to an increased likelihood of a collision. Car insurance can make the difference between a small setback and a large hassle. So how can you find out what type of car insurance you need and how much to buy? Car insurance provides you with protection from paying for damage or injury you inflict on others while you are driving, damage to your vehicle or injury to you or your passengers from a crash, plus specific other incidents, such as robbery. Without insurance, you run the risk of having to pay the full cost of any harm or injury you cause others. Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage includes car repair costs and loss of property use. If you are in legal trouble, liability insurance will pay for your court costs. Recommended, more comprehensive levels of liability insurance are available 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 and your passengers, no matter who was at fault in the collision. It is required in some states and optional in others. This insurance can also pay for lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. If this type of coverage has been purchased, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of insurance. This can include protection from robbery, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in an accident caused by a driver who does not have the right amount of insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender 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. Review your needs, do your research , and with the support of your insurance agent, make the decision that fits you best. State Farm Agent Clermont