There are more drivers on the road each year. With countless vehicles on the road, accidents can happen. If you get in a car wreck, the car insurance you own can make a large difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Your car insurance may be able to pay for car crash expenses ranging from car repairs to legal fees. By not owning insurance, you risk having to pay the full cost of the harm you cause others. Liability: This kind of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. Damages from bodily injury include medical expenses, and lost wages. Property damage includes car repair costs or loss of use of property. If you are sued, this type of insurance will pay for your legal fees. State laws usually require standard amounts of liability insurance, but larger amounts are available and usually recommended. 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. The minimum amount of personal injury protection is typically set by the state. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. If this policy has been bought, the insured person will receive coverage for all types of medical and funeral expenses. Collision: This pays for damage to your vehicle caused by a collision. Comprehensive: Applies if your vehicle is stolen or damaged by something other than a collision, including weather damage or vandalism. Uninsured Motorist: This pays for repair and replacement costs when someone with insurance is in a crash caused by a driver who does not have insurance. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have enough liability insurance to pay for the total amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. What you pay for auto insurance varies by company and will depend on several factors, including: * Which policies you choose * The make and model of the vehicle you drive * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying car insurance; you shouldn't be on the road without it. Evaluate your needs, research your options, and with the help of your insurance agency, choose the option that fits you best. State Farm Clermont