Every year, more automobiles and drivers travel our roads and freeways. As this number increases, the possibility of accidents also increases. The difference between a small aggravation and major obstacle can be your car insurance. How can you determine what insurance you need and how you can purchase it? Required coverage varies based on the state/province but typically includes the following: Liability: Personal injury and property damage that you are responsible for will be covered under liability insurance. If you are in legal trouble, liability insurance will pay for your legal fees. State laws typically require standard amounts of liability insurance, but larger amounts are available and very beneficial. Personal Injury Protection: This 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. This insurance may also cover lost wages, replacement of services and funeral expenses. The minimum amount of personal injury protection is typically set by local government. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who may be responsible. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Pays for damages to your vehicle caused by a collision. Comprehensive: Cover your vehicle from all non-collision damages when you buy this type of coverage. This may include protection from theft, vandalism, and fire or flood damage. Uninsured Motorist: Pays for damages when someone with insurance is in an accident caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this kind of insurance protects you against people driving without enough insurance coverage. Other kinds of coverage, including emergency road service, can also be purchased. State Farm Agent Clermont