There are more cars and drivers on the road each year. This can lead to a higher possibility of a collision for you and your family. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and how you can buy it? Auto insurance protects you by covering the cost of damage caused to your vehicle or someone else's vehicle and injury to others, yourself, or passengers in your car, plus specific other incidents, such as robbery. Every state or province mandates car insurance by law. Choosing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle and pay the cost of all the damage that you may have caused. Liability: It pays for damages due to bodily injury and damage to property when you are responsible. Damages from bodily injury can include medical expenses, lost wages, and pain and suffering. Property damage can refer to car repair costs or loss of use of property. It can also cover your legal fees if you are sued. Recommended, more comprehensive levels of liability insurance are available that cover more than the lower, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for the medical treatment for you and other people in your car, regardless of who was responsible for the collision. It is sometimes referred to as no-fault coverage. The minimum amount of this insurance is usually set by the state. 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 buy this type of coverage, you will receive coverage for reasonable medical and funeral expenses. Collision: Damages resulting from a collision will be covered under this kind of car insurance. Comprehensive: This kind of insurance covers all damages not caused by a collision. This may include hail damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the proper amount of insurance. This insurance will cover you if you are in a collision with one of these irresponsible drivers. Under-Insured Motorist: This pays for damages when a driver with insurance is injured in an accident caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other kinds of car insurance, including car rental, can also be purchased. State Farm Agent Clermont