Every year, more automobiles and drivers are on the roads. As this number goes up, the possibility of accidents also goes up. If you get in a car wreck, the auto insurance you own can make a large difference in the experience you have. But why is insurance necessary and just how much should you get? Insurance requirements will differ by state/province, but usually include the following: Liability: This kind of insurance coverage will pay for the damage that you are responsible for. These damages may include bodily injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage includes car repair costs and loss of property use. It can also cover your legal fees if you are sued. Local laws usually require standard amounts, but larger amounts can be purchased and are usually recommended. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was at fault in the collision. It is sometimes referred to as no-fault coverage. It can also pay for lost earnings, service replacement and funeral costs. Local law usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: Damages resulting from a car accident will be paid for under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance coverage will protect you. Under-Insured Motorist: Pays for collision expenses when a driver with insurance is in a crash caused by another person who does not have the right amount of insurance to pay for the full amount of the damages. Other policies, such as car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: * Which policies you select * The type of the car you drive * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Many people think they can get by without auto insurance, but it is honestly something you don't want to live without. Evaluate your needs, research your options, and with the support of your insurance agent, choose the option that best suits you. State Farm Clermont