We see more cars on the road every year. With so many vehicles on the road, crashes will happen. Automobile insurance can be the difference between a minor setback and a large hassle. So how can you find out what type of car insurance you need and how much to purchase? Insurance requirements vary by state/province, but typically include the following: Liability: Pays for expenses due to personal injury and property damage to others that you are responsible for. Bodily injury damages include medical expenses, and lost wages. Property damage includes car repair costs or loss of property use. If you are in legal trouble, it also pays your legal fees. Local laws typically mandate standard amounts, but higher amounts are available and usually recommended. Personal Injury Protection: Personal injury insurance is mandated 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. This insurance can also cover lost wages, service replacement and funeral costs. The minimum amount of personal injury protection is usually set by local government. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you from those drivers. Other policies, like emergency road service, are also available. What you pay for car insurance varies based on the company and will depend on multiple factors, including: * Which policies you choose * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Many people think of car insurance as a necessary evil, but it can save you from a financial dilemma. Evaluate your needs, research your options, and with the guidance of your insurance agency, make the decision that best suits you. State Farm Clermont