The number of cars on the road increases each and every year. This can lead to a higher possibility of a collision for you and your family. Automobile insurance can be the difference between a minor setback and a major trial. So how do you know which type of insurance you need and how much to buy? Coverage requirements vary by state/province, but usually include the following: Liability: Personal injury and property damage that you have caused will be covered under liability insurance. It also covers your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the collision. It is mandated in some states and optional in others. State government usually sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive coverage for necessary medical or funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: Protect your vehicle from all non-collision damages when you buy this type of coverage. This includes protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Many drivers are ignoring the law by driving without having the right amount of car insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: Pays for damages when a driver with insurance is injured in an accident caused by another person who does not have the right amount of insurance to pay for the total amount of the damages. Other types of coverage, including emergency road service, are also available. What you pay for car insurance varies by company and will depend on several factors, such as: *Your selected coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, gender and marital status * The place where you live Don't wait around to buy car insurance; you shouldn't be on the road without it. Review your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. State Farm Clermont