There are more drivers on the road every year. With so many vehicles on the road, accidents will happen. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. But why is insurance required by law and just how much do you need? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to replacement costs. Every state or province requires automobile insurance by law. By not owning insurance, you run the risk of having to pay the full cost of any harm you cause others. Liability: This kind of insurance will pay for the damage that you are responsible for. These damages might include bodily injury, and property damage. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage includes damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for the medical treatment for you or your passengers, no matter who was responsible for the accident. It is required in some states and optional in others. This insurance may also cover lost wages, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: This type of coverage can be purchased in non-no-fault states and will pay regardless of who is responsible for an accident. All necessary medical or funeral expenses will be covered under this insurance policy. Collision: This pays for damages to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance will protect you. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the total amount of the damages. Emergency road service, car rental, and other varieties of car insurance can also be purchased. State Farm Agent Clermont