Every year, more cars and drivers are on the highways. This can lead to a higher possibility of a car accident. The difference between a little bother and large pain can be the car insurance you have purchased. How can you decide what type of insurance you need and how to buy it? Car crashes can result in many different expenses, which your car insurance might be able to pay for based on the insurance policy you have purchased. No matter where you live, you will need to buy some type of auto insurance. Without insurance, you run the risk of having to pay the full cost of the harm or injury you cause others or to repair or replace your car if it is damaged or stolen. Liability: Liability pays for damages due to bodily injury and damage to property when you are responsible. If you are sued, this type of insurance can pay for your legal fees. Recommended, more comprehensive levels of liability insurance are available that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance 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. Local law usually sets minimum amounts. Medical Payments: This coverage can be purchased in states that are not considered no-fault; it will pay regardless of who may be responsible. This insurance will pay for an insured person's necessary medical and funeral expenses resulting from a crash. Collision: This pays for damage to your car caused by a collision. Comprehensive: Cover your car from all non-collision damages when you buy this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance will protect you. Under-Insured Motorist: Many drivers have liability insurance that might not be able to pay for all the expenses they are responsible for. Under-insured motorist coverage covers you from those drivers. Other types of car insurance, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, such as: * Which policies you choose * The make and model of the car you own * Your driving record * Your age, sex and marital status * Where you live Some people 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 guidance of your insurance agency, choose the option that fits you best. State Farm Agent Clermont