Every year, more automobiles and drivers travel the roads. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the car insurance you have can make a large difference in the experience you have. But why is insurance important and just how much do you need? Mandated coverage varies by state/province but usually includes the following: Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. If you are sued, it also pays your legal fees. Recommended, more comprehensive levels of insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was responsible for the accident. It is required in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it will pay despite who carries responsibility for a crash. All necessary medical or funeral expenses will be paid for under this type of policy. Collision: Pays for damages to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of insurance. This can include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when an insured person is in a crash caused by a driver who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * What coverage you select * The make and model of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. State Farm Agent Clermont