Every year, more cars and drivers travel the highways. As this number increases, the chances of a car wreck will also go up. Automobile insurance can be the difference between a small inconvenience and a major trial. So how can you figure out which type of insurance you need and how much you should buy? Coverage requirements will differ by state/province, but typically include the following: Liability: Pays for the expenses you have caused to others in a car accident, including injury and property damage. Bodily injury damages can include medical expenses, lost wages, and pain and suffering. Property damage includes damaged property and loss of property use. If you are sued, this type of insurance will pay for your defense and court costs. Recommended, more comprehensive levels of insurance can be purchased that cover more than the stripped-down, state-mandated varieties. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or your passengers, no matter who was at fault in the collision. It is commonly referred to as no-fault coverage. It can also pay for lost wages, replacement of services and funeral expenses. Local law typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states; it pays despite who carries responsibility for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: Damages that occur from a collision will be covered under this type of car insurance. Comprehensive: This type of insurance protection takes care of all non-collision damages. This may include hail damage, vandalism, and theft. 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 liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without sufficient insurance coverage. 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, such as: * What coverage you choose * The type of the car you own * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don't procrastinate buying auto insurance; you should never drive a car without it. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that fits you best. State Farm Clermont