We see more drivers on the road each year. As this number increases, the possibility of accidents also increases. Car insurance can make the difference between a small setback and a large trial. So how can you find out what type of car insurance you need and how much to purchase? Car crashes can result in many different expenses, which can all be paid for based on the insurance policy you have purchased. Deciding to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of any damage for which you might be responsible. Liability: Bodily injury and property damage that you have caused will be covered under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property and loss of property use. It can also cover your defense and court costs if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that cover more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for all medical treatment for you and other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. It may also pay for lost earnings, service replacement and funeral expenses. State government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states; it pays despite who may be responsible. It pays for all insured person's reasonable medical and funeral expenses resulting from a crash. Collision: Damages resulting from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection covers all damages not caused by a collision. This may include fire damage, vandalism, and robbery. Uninsured Motorist: Pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver who does not have the right amount of insurance to pay for the full amount of the damages. Emergency road service, car rental, and other types of coverage can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, such as: * What coverage you select * The type of the car you own * Your driving record * Your age, gender and marital status * Where you live Some have come to think of auto insurance as a necessary evil, but it is something you will need if you are ever in an accident. Review your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. State Farm Clermont