There are more cars hitting the road each year. With countless vehicles on the road, accidents will happen. The difference between a little aggravation and major pain can be the car insurance you own. How can you decide what insurance you require and how to buy it? Your insurance may be able to pay for car crash expenses ranging from hospital bills to legal fees. Without insurance, you run the risk of having to pay the total price of the harm or injury you cause others. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. Damages from bodily injury include medical expenses, and lost wages. Property damage can refer to damaged property or loss of use of property. If you are sued, this type of insurance can pay for your legal fees. Recommended, higher levels of insurance can be purchased that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. This insurance may also cover lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical Payments: This type of coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you buy this type of coverage, you will receive payment for all types of medical and funeral expenses. Collision: Pays for damage to your vehicle caused by an accident. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This may include protection from robbery, vandalism, and fire or flood damage. Uninsured Motorist: Pays for repair and replacement costs when an insured person is injured in an accident caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-Insured Motorist: Pays for damages when an insured person is injured in an accident caused by another person who does not have enough liability insurance to cover the full amount of the damages. Emergency road service, car rental, and other types of car insurance can also be purchased. Your auto insurance payments vary by company and will depend on multiple factors, including: * What coverage you select * The type of the vehicle you own * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Evaluate your needs, do your research , and with the support of your insurance agent, choose the option that best suits you. State Farm Agent Clermont