There are more cars hitting the road each year. This can lead to an increased likelihood of a collision for you and your family. If you get in a car crash, the auto insurance you have can make a large difference in what happens next. How can you decide what insurance you need and how you can purchase it? Mandated coverage varies based on the state/province but usually includes the following: Liability: This kind of insurance can pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. 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 extremely helpful. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. Local government usually sets minimum amounts. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. If you purchase this type of coverage, you will receive coverage for all types of medical and funeral expenses. Collision: Pays for damage to your car caused by an accident. Comprehensive: This kind of insurance covers any damages not caused by a collision. This could include fire and wind damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are ignoring the law by driving without having the proper amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Just like uninsured motorist protection, this kind of insurance protects you against people driving without sufficient insurance coverage. Other kinds of coverage, like emergency road service, are also available. Your car insurance payments varies based on the company and will depend on several factors, such as: * Which policies you select * The type of the car you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some people have come to think of car insurance as a necessary evil, but it can truly rescue you from a financial mess. Evaluate your needs, research your options, and with the guidance of your insurance agent, choose the option that fits you best. State Farm Agent Clermont