The amount of cars on the road increases each year. This can lead to a higher possibility of a car accident for you and your family. The difference between a little aggravation and large obstacle can be the car insurance you own. So how can you figure out what insurance you need and how much you should buy? Required coverage varies by state/province but typically includes the following: Liability: This kind of insurance will pay for the damage that you have caused. These damages can include bodily injury, and property damage. Damages from bodily injury include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of property use. If you are sued, it also pays your legal fees. State laws typically require standard amounts of liability insurance, but higher amounts can be purchased and are usually recommended. Personal Injury Protection: This 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. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: Protect your car from all non-collision damages by purchasing this type of coverage. This includes protection from theft, vandalism, and weather damage. Uninsured Motorist: If you are in an accident with an uninsured driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage covers you in accidents involving those drivers. Other kinds of car insurance, including emergency road service and car rental, are also available. Your car insurance payments varies based on the company and will depend on multiple factors, such as: *Your selected coverage *Your vehicle's make and model * Your driving record * Your age, sex and marital status * Where you live Many people consider car insurance to be a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. State Farm Clermont