You will see more drivers on the road every year. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and large pain can be the car insurance you have purchased. But why do you need insurance and just how much do you need? Mandated coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical fees, and lost wages. Property damage can refer to car repair costs or loss of property use. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also pay for lost wages, service replacement and funeral expenses. The minimum amount of this insurance is typically set by local government. Medical Payments: This type of coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive coverage for reasonable medical and funeral expenses. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Protect your vehicle from damages from other sources by purchasing this type of insurance. This includes protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have insurance. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments varies based on the company and will depend on several factors, including: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people think they can get by without auto insurance, but it is truly something you don't want to live without. Review your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. State Farm Clermont