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Every year, more automobiles and drivers hit the highways. This could lead to a higher possibility of a car accident. The difference between a little aggravation and large pain can be automobile insurance. How can you determine what type of insurance you need and where you should go to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. It also covers your legal fees if you are sued. Recommended, higher levels of insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for all medical treatment for you and other people in your car, no matter who was at fault in the accident. It is mandated in some states and optional in others. State law usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may have been at fault. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: This pays for repair and replacement costs when an insured person is in a crash caused by another person who does not have liability coverage. Under-Insured Motorist: There are other drivers who have liability insurance that can't cover all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other policies, like car rental, are also available. What you pay for auto insurance varies by company and will depend on several factors, such as: * Which policies you select * The make and model of the vehicle you own * Your driving record * Your age, gender and marital status * The place where you live Don't procrastinate buying car insurance; you should never be on the road without it. Evaluate your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. State Farm Clermont