Each year, more cars travel our roads and freeways. With countless vehicles on the road, crashes will happen. Automobile insurance can make the difference between a small setback and a large trial. But why do you need to own insurance and just how much should you purchase? Required coverage varies based on the state/province but usually includes the following: Liability: It pays for the expenses you have caused to others in a car accident, including property damage and injury. It also covers your legal fees if you are sued. State laws usually mandate standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and your passengers, regardless of who was at fault in the crash. It is required in some states and optional in others. State law usually sets minimum amounts. Medical Payments: This coverage is available in non-no-fault states; it will pay despite who may have been at fault. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: This applies if your vehicle is stolen or damaged by causes other than an accident, including weather damage or vandalism. Uninsured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have liability coverage. Under-Insured Motorist: Just like uninsured coverage, this type of insurance covers you from people driving without sufficient insurance coverage. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you choose * The type of the vehicle you drive * Your driving record * Your age, sex and marital status * Where you live Some drivers don't want to pay for auto insurance, but it is honestly something you don't want to live without. Review your needs, do your research , and with the help of your insurance agency, make the decision that fits you best. State Farm Clermont