The amount of drivers on the road increases each year. With so many vehicles on the road, crashes can happen. If you get in a car crash, the car insurance you own can make a large difference in what happens next. But why do you need insurance and exactly how much should you purchase? Mandated coverage varies by state/province but usually includes the following: Liability: Liability pays for expenses due to personal injury and damage to property that you have caused. If you are sued, it also pays your legal fees. State laws usually require standard amounts, but larger amounts are available and very beneficial. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you and other people in your car, no matter who was responsible for the collision. It is required in some states and optional in others. This insurance may also cover lost wages, service replacement and funeral expenses. State law usually sets minimum amounts. Medical Payments: This coverage is available in states that are not considered no-fault; it will pay regardless of who carries responsibility for a crash. If this policy has been bought, the insured person will receive coverage for all types of medical and funeral expenses. Collision: Pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by something other than a wreck, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by an uninsured driver or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Many drivers have liability insurance that might not be able to cover all the expenses they are responsible for. Under-insured motorist coverage protects you in accidents involving those drivers. Other kinds of coverage, like emergency road service and car rental, are also available. What you pay for car insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Some people have consider car insurance as a necessary evil, but it can truly save you from a financial mess. Evaluate your needs, research your options, and with the support of your insurance agency, choose the option that best suits you. State Farm Agent Clermont