We see more drivers on the road each year. With the increasing number of vehicles on the road, accidents will happen. The difference between a small aggravation and major obstacle can be your insurance. How can you determine what type of insurance you require and where you should go to buy it? Mandated coverage varies by state/province but usually includes the following: Liability: Pays for the expenses you are responsible for in a car collision, including injury and property damage. If you are sued, this type of insurance will pay for your defense and court costs. Recommended, higher levels of insurance can be purchased that take care of more than the stripped-down, state-mandated insurance. 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 may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. All reasonable medical or funeral expenses will be covered under this type of policy. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving a car without purchasing the proper amount of auto insurance. This type of coverage will cover you if you are in a collision with one of these drivers. 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 protects you from those drivers. Emergency road service, car rental, and other types of coverage can also be purchased. What you pay for car insurance varies by company and will depend on multiple factors, including: * Which policies you select * 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 Don't wait around to buy car insurance; you shouldn't be on the road without it. Review your needs, do your research , and with the guidance of your insurance agent, make the decision that best suits you. State Farm Agent Clermont